Application for BBVA

[MoneyBurns]

I wanted to apply for the BBVA Clear Points Rewards as it offers 3% Back on medical expenses - I usually go to the doctors at least once a month, and I was wondering how INQ sensitive they are?

I live in their geo foot print and was thinking about going to the branch to apply.

Does going in person make it easier to be approved?

I have around 7 or 8 INQs over the last 2 years if that's a factor. My income is 38k yearly and Fico score is around 750s. It should go even higher after my balance from BECU (8.6k) clears. I will wait until it's reported and go in branch to apply.

Any insight is greatly appreciated.

Stay safe!

Be well,

Sabre

[FinStar]

I would try their pre-qualified tool to gauge the odds.  In a variety of cases they can be inquiry sensitive depending on the profile.  

Going to the branch and apply doesn't increase the odds, though - just FYI.  

So, based on your other thread, would you be including UI (or part of the $38K) as wages in the income section?

[MoneyBurns]

I'm going to put down whatever my total is for income from my 2020 tax return (accepted now by both state and Fed) - yes I will be including it. Roughly 38k. Regularly probably 30k (nornally).

[Anonymous]

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@MoneyBurns wrote:

I'm going to put down whatever my total is for income from my 2020 tax return (accepted now by both state and Fed) - yes I will be including it. Roughly 38k. Regularly probably 30k (nornally).

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And you're going to list unemployed?

If it were me, even if I were jobless by choice, I'd be laying low.