topic Re: Credit Cards that pull EX... in Credit Cards

Credit Cards that pull EX...

kobe81 — Sun, 03 Aug 2014 20:19:42 GMT

Hey Guys,

Been lurking on this board for a long time. Looking for the experts on here help me rebuilt my credit, as well as help me get some more credit cards and better CL's.

In the past few months I've been able to get the Duck Card (5,000), SallieMae MC (4,500), Sears MC (4,500), Discover IT (1,000), PayPal MC (500.00), BOA Visa Sig. (500.00)

I also have the following cards,

AMEX Business Gold, AMEX Personal Gold, and AMEX Platinum.

Installment Loans,

BMW & Mercedes-Benz loans.

Applied for the following and was turned down,

AMEX BCE - Someone in India stated that even though I PIF $10,000 with my three CC's from them, I don't meet their standards. Really ticks me off being that I've spent so much money with AMEX.

Citi Diamond Card - Couldn't get a straight answer. I also just got the Sears MC and scared to really attack them because I dont want to lose my Sears account.

Chase Slate - Just applied, 7-10 days. Dont know if I should call.

BOA Visa Sig. - $500 card with $99 dep.

Cap. One - Called and they said I have to wait.

Right now my best CB is EX at 702. My EQ is 633 and TU is 653.

I want two more cards with good limits if possible. I'm wondering what I can apply for that pulls EX.

Second, which I call Sallie Mae and ask for a CL? Just got the credit. They pulled TU and it got through with 659 TU.

Need some direction.

Make 200K per year. Looking to get all my scores over 700.

Settled two BOA accounts and one Citi.

Thanks for the help in advance.

Re: Credit Cards that pull EX...

Membersince2013 — Sun, 03 Aug 2014 20:31:41 GMT

I'm confused... If you make 200k a year, why's your score only 702? Some thing is not adding up to me..

Re: Credit Cards that pull EX...

kobe81 — Sun, 03 Aug 2014 20:35:30 GMT

During the recession I couldn't afford to pay for the credit cards I had.

Two BOA cards, One Citi card, and a Cap One card.

I settled the cards and i know they are hurting me. As for the 200K per year, I just started making that 4 years ago.

Re: Credit Cards that pull EX...

wmweeza — Sun, 03 Aug 2014 20:39:10 GMT

There has to be more going on for them to see you as a risk, and for you to have scores below 700.

Re: Credit Cards that pull EX...

Anonymous — Sun, 03 Aug 2014 20:39:58 GMT

From my own experience, the following lenders pull EX:

Citi

Chase

BoA

I'm recently looking for info on Amex, and it seems that they mostly pull EX as well.

Yet it's worthy to point out that I'm in NJ and your geography may affect which agency(ies) your creditors pull.

Since Chase gave you the 7~10 days notice, it's likely that they turned you down ... It's not a bad idea to call the recon number.

Re: Credit Cards that pull EX...

wmweeza — Sun, 03 Aug 2014 20:41:37 GMT

Then it sounds like time is your friend. Build up a great payment history and in a few years your scores will rise and you can get the cards you want. I don't think there's any magic trick here that we can tell you that will get you apporoved. As far as cards that pull EX, AMEX is the main one I know of. There are credit pull databases online, look them up, I'm sure that would tell you

Re: Credit Cards that pull EX...

kobe81 — Sun, 03 Aug 2014 20:43:14 GMT

I dont know what it is.

I've been trying it out for almost a year and a half now. If you read my only thread when applying for the Duck Card, my EX at the time was 590 and my EQ was 701.

Re: Credit Cards that pull EX...

B335is — Sun, 03 Aug 2014 20:53:21 GMT

Have you tried to goodwill some of these negatives on your CR? How much utilization are you letting post? EX pullers for me: Amex, Chase, Citi, BoA, Nordstrom

Re: Credit Cards that pull EX...

gdale6 — Sun, 03 Aug 2014 20:55:55 GMT

Synchrony Ebates, FNBO Amex pulled EX for me am in ID.

Re: Credit Cards that pull EX...

Anonymous — Sun, 03 Aug 2014 21:23:35 GMT

Just cause a person makes 200k a year dosent mean they have or had det int he past. Lord I can believe you said that! My brother inlaw make 180k and his wife makes 80k an they are up to there ears in det. They spend over 3k a month on just eating out.

Re: Credit Cards that pull EX...

hizzaah — Sun, 03 Aug 2014 21:27:56 GMT

Can I ask what you need these two cards for exactly? If your goal is better limits, you'll want more payment history on the cards you already have. Creditors see you applying for a bunch of stuff and think that you may be desperate for credit. Whether that's true or not doesn't matter!

Credit isn't just about income, that's why you have a BoA secured card (this is actually a decent card, you could make a bigger deposit on this card to increase your credit limit!). Make a few payments a month and put a bunch of usage through your current cards. Before your statements cut, pay your balances down so that all except one of your cards report as $0, the other should be under 10% of the limit. That will help you get auto increases on the cards you already have which will help you get better limits on new cards.

If you can wait 6+ months: Any military affiliation? NFCU is know to give high limits, but they want solid history and don't like recent accounts. You can get into PenFed by making a donation. Open a checking/saving and use it for 6 months, then apply for one of their cards.

In the mean time I would do what you can to get the bad stuff off your reports. Send goodwill letters, pfd collections, whatever you can do. Plenty of good info for that stuff on the forum!

Re: Credit Cards that pull EX...

Closingracer99 — Sun, 03 Aug 2014 21:30:07 GMT

In my experience 95% has pulled EX for me. I live in New York City for reference of what area that I live in

Amex

Chase

Discover ( an App for the Chrome card and it card)

Capital one

Discover ( my First Discover card)

Capital one

Citi

Capital one

Discover ( Chrome card last month)

Chase doubled pulled once for me last year on a decline but I forgot which report that I read it on.

Re: Credit Cards that pull EX...

kobe81 — Sun, 03 Aug 2014 23:50:11 GMT

I'm not really looking to get credit cards to go on a crazy shopping spree. I'd like to get one or two and get a nice CL so I can go into the garden and watch them grow, and at the same time, have my scores all go up to the mid 700's.

I pay Lexington Law to clean up my credit. (I know...I know...I can do what they do) but I'm so busy at work that I dont have any time on my hands.

Plus, me and DW are looking to buy a house and I really would like to make sure I can deliver that for my family in the next year.

Note: I'm also a member with PedFed since 2009.

Just want to thank everyone who's posting in this thread. My goal is to get my scores back into the 700's and get rid of those 4 bad accounts that I feel are hurting me from getting what I want.

Re: Credit Cards that pull EX...

Anonymous — Sun, 03 Aug 2014 23:55:05 GMT

Thanks for sharing! I've been keeping an eye on Amex for a long time, and it's really re-assuring (for me) to know that they pull EX instead of EQ, as EQ somehow cannot locate my profile.

Re: Credit Cards that pull EX...

kobe81 — Sun, 03 Aug 2014 23:57:26 GMT

AMEX alwats pulls EX for me.

I want to call them and really go to battle about my previous app. Same with Citi.

Re: Credit Cards that pull EX...

Anonymous — Sun, 03 Aug 2014 23:58:04 GMT

@kobe81 wrote:
AMEX alwats pulls EX for me.

I want to call them and really go to battle about my previous app. Same with Citi.

Good luck!

Re: Credit Cards that pull EX...

AvadaKedavra — Mon, 04 Aug 2014 01:29:17 GMT

Chase gave me 7-10 letter and when trying to recon they said it was still under review and they had no info. Turns out I was approved at about the 10 day mark.

Re: Credit Cards that pull EX...

Dw4250 — Mon, 04 Aug 2014 02:14:27 GMT

@kobe81 wrote:
I'm not really looking to get credit cards to go on a crazy shopping spree. I'd like to get one or two and get a nice CL so I can go into the garden and watch them grow, and at the same time, have my scores all go up to the mid 700's.

I pay Lexington Law to clean up my credit. (I know...I know...I can do what they do) but I'm so busy at work that I dont have any time on my hands.

Plus, me and DW are looking to buy a house and I really would like to make sure I can deliver that for my family in the next year.

Note: I'm also a member with PedFed since 2009.

Just want to thank everyone who's posting in this thread. My goal is to get my scores back into the 700's and get rid of those 4 bad accounts that I feel are hurting me from getting what I want.

If I was in your shoes, I would look at some of the local credit unions. Find one that pulls EX. Open a checking/savings account with them (they will usually do an HP for this, but can use the same pull for the credit card). My guess is with your income and an EX ~ 700, you should be able to get a pretty good starting limit.

Good luck!

Re: Credit Cards that pull EX...

madmann26 — Mon, 04 Aug 2014 13:48:31 GMT

Chase wanted to pull TU for me. This is according to the letter they sent me about unfreezing my CR before they could evaluate my request. I'm in GA.

Re: Credit Cards that pull EX...

mongstradamus — Mon, 04 Aug 2014 15:49:13 GMT

@madmann26 wrote:
Chase wanted to pull TU for me. This is according to the letter they sent me about unfreezing my CR before they could evaluate my request. I'm in GA.

I am thinking they may have been trying to double pull you, probably ex and tu.