NY I say you're close. Real close. You could probably get an approval on recon if not instantly approved for a card. Do you have an EQ inq to spare to test the waters?
Thanks Baller - I will check. I don't think I have many INQ's in the last 12 mos.
Product approved and Limit: Platinum Visa Signature $5k
EQ 08 Fico: 690
Penfed Nextgen: 713
Instant or Review: Instant
AAOA: 3 yrs
Total EQ Inquiries: 2
Last 12 months: 2
Last 6 months: 0
New Accounts in last 12 months: 2
Last 6 months: 0
|Total Credit: $192,100||Utilization: 1%||AAoA: 5yrs, 4mths||Installments: Car Lease, Marcus Loan||Baddies: 0||On Chop Block: Penfed, Citi|
Product(s) approved and Limit Platinum Rewards Visa Signature..approved at $34,500..then immediately applied for Platinum Cash Rewards Visa and approved at $15,500
EQ 08 Fico:756
Penfed Nextgen: 750
Instant or Review?: Both were instant
AAOA: 2.5 years
Derogs?: (If you have a BK please list type and discharge date!) None
Total EQ Inquiries: 12
Last 12 months: 5
Last 6 months: 7
New Accounts in last 12 months: 7
Last 6 months:7
Hey all...I was approved for membership last night. Applied for a CC and got review by loan officer. Anyone know how long that takes ? Should I call or wait for an answer ? If not approved for the Visa SIg will they offer a lower card or should I reapply ?
You should hear an answer within 24 hrs. If denied they won't offer a different card. You would have to apply. Let us know your outcome. Good luck.
Baller which card should I apply for if denied ?
So I am clear the one HP they did will be used for 90 for any products I apply for ?
Yes hp is good for 90 days. Let's wait and see if you're denied and if so what are the reasons. If they label you an Egyptian for example, it won't do you any good to apply for another card.
Ok let us know your outcome if you decide. They are really good with recons. Just explain your situation in an email if need be. I have the email address if you need it. But, I wouldn't be surprised if it was instantly approved.
Baller - I app'd for the Platinum Rewards Sig card this morning and my app was sent to a LO for review. Will keep you posted...