Chances at getting a Visa Signature?

Anonymous — Sat, 08 Mar 2014 10:26:51 GMT

Hello everyone,

Recently I went on a bit of an app spree and applied for a BofA Cash Rewards $1,500 CL, Citi Dividend $2,500 CL, and just today a US Bank College Card $2,000 CL.

I was approved for all three and then had my credit run a fourth time to refinacne an auto loan that I am paying at a criminally high interest rate. (denied due to income being too low as I am only a college student working part time)

Anyways, all three of the cards I was approved for are college edition cards that can be upgraded after 6 to 12 months of good standing.

In addition to these I have a Discover it (student) $500.00 CL and a regular "adult" version of the Capital One Quicksilver Visa $1500.00 CL (non-signature)

My question is, do you think that after 6 or so months of keeping these accounts in good standing with low util, I can upgrade to a visa signature?

My TU Fico is 747 and EX 738.

No matter wich card I try to upgrade, I wil need roughly a $3,000.00 CLI on most of the accounts. Will my income at $15,000 yearly be enough to get a Signature card?

Re: Chances at getting a Visa Signature?

mirachi — Sat, 08 Mar 2014 12:25:37 GMT

Not sure if this is true for all cc companies but I believe there's a minimum income of $28-30k for visa signature (per US bank)

Re: Chances at getting a Visa Signature?

Anonymous — Sat, 08 Mar 2014 12:32:08 GMT

I think a lot of them like to see at least a year and i was thinking it should have a min. of 5k limit. not 100% sure they all go by that by I know chase does.

Congrats on your new cards.

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Chances at getting a Visa Signature?

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Re: Chances at getting a Visa Signature?