topic Re: wfnnb in Credit Cards

wfnnb

Anonymous — Tue, 24 Jun 2008 16:05:02 GMT

i know alot of people dont like them, but they are ok i guess..my question is how do they work w/cli? do you have to call? it's it automatic, are they hard or soft hits?? any info would be greatly appreciated..

do they ever do cli on activation? probably not but just wondering.

thanks

Message Edited by bamagirl1 on 06-24-2008 09:05 AM

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 16:47:06 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=66645&view=by_date_ascending&page=1

We were talking about this on this thread. My CLIs were all softs, btw.

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 17:53:03 GMT

thanks whirled, like you all said they are odd...i was suprised i got a card after a bk, i know alot of times that is a no go w/them

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 17:59:40 GMT

Yup, my credit was in the toilet when I first got a card from VS. I app'd for Ann Taylor on the same day and got the "NO WAY IN ____!" message.

Just treat them well, PIF to avoid the criminal APR and you should be good to go! (Make sure you register your birthday on their angel site so you can get that little bonus 10 dollar gift card thingie.)

And most of all, CONGRATS! It's a very pretty card!

(But so help me GAWD if I spend 1900 dollars there at once!)

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 18:04:33 GMT

hahaha well i didnt get vs i got avenue so i dont know if some are harder or easier to get than others...i got a low cl but like i said i was suprised with a bk i got one at all..

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 18:05:26 GMT

Ahhh, sry, I always think VS first. Maybe someone with that card will chime in!

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 18:36:34 GMT

i just didnt know overall if they were the same or pickier or pick-less (haha) w/different cards..

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 19:43:15 GMT

bamagirl1 wrote:
i know alot of people dont like them, but they are ok i guess..my question is how do they work w/cli? do you have to call? it's it automatic, are they hard or soft hits?? any info would be greatly appreciated..

do they ever do cli on activation? probably not but just wondering.

thanks

Message Edited by bamagirl1 on 06-24-2008 09:05 AM

Yeah, I've been trying to figure out the same thing with my Newport News card. I just want to hit that online luv button so bad, but I have only had the card a couple months.

Re: wfnnb

haulingthescoreup — Tue, 24 Jun 2008 20:30:05 GMT

With J.Crew, I got the first CLI after calling them up and asking if we could start up my card after my credit coma, and they said yes. The next one was after my 20 year old got a new card with a $750 CL, and I got offended and hit the CLI button with an immediate increase to $1K, so I guess it must have already been in the system, just ready to go. This would be a little over 6 months after the other one, so I'm thinking that they do an auto every six months, if they like what you've been up to.

I have to retract what I've posted before and report that my card just spontaneously updated a second month in a row, without my begging, threatening, disputing, or even plain old asking. And that was without a statement dropping, and with a $0 balance. So, sorry WFNNB, and I guess you're back off Death Row again.

Re: wfnnb

Anonymous — Tue, 24 Jun 2008 20:32:47 GMT

haha hauling thanks

Re: wfnnb

ncscgirl2005 — Wed, 25 Jun 2008 05:05:06 GMT

I have two WFNNB cards-NY & Company and The Limited.

I only use the NY & Company card because that is my favorite store in the whole world. When I got the card six years ago my CL was $300 now I'm at $1280. I've never PIF, always carried a balance and each CLI I recieved was an automatic soft pull.

With The Limited card, I only used it once or twice and haven't used it now in about 5 years. I got this card around the same time as my NY & Co card. My CL was $300 when I got it and it is still sitting at $300.

Also, I've never had a problem with them. I guess you can say they will reward you for using the card.