Running out of time, NEED advise please!

[FinStar]

Well that's Comenity for ya. But, I'd say wait for the letter to confirm. Sometimes, it can be a verification scenario. It just depends on the info from the "alternate" bureau they pull.

3 of my Comenity/CCB approvals were done via snail mail to verify identity. While the others were instantly approved.

[Anonymous]

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@FinStar wrote:
Well that's Comenity for ya. But, I'd say wait for the letter to confirm. Sometimes, it can be a verification scenario. It just depends on the info from the "alternate" bureau they pull.

3 of my Comenity/CCB approvals were done via snail mail to verify identity. While the others were instantly approved.

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I see, i'll keep this updated when i know more.

[CreditCuriosity]

I can speak for PenFed you will not get the 7% Personal loan from them most likely.. I just took a debt consolidation/personal loan from them they are my primary bank/cu my 09 scores are 740 (4% utilization) and I get a rate of 11.99%, so I highly doubt you will get below that rate with 6 HP's on my EQ file.  I have a pretty clean file compared to you as well being no BK.  Just another data point whether you want to try for one or not.  Also a fairly high earner relatively speaking.  I also have a 35k CC with them, 5k LOC with them, 66k (starting auto loan at 2.49%) now at 52k with them... You get the picture.

[Anonymous]

Thanks for the info. I actually passed and didn’t go for the loan nor the CLIs on my cards.

[kshurika]

I applied for Citi DC w/ FICOs in 780s and 790s, no baddies at all, 2% Util, good AAoA. Denied. Reason: too many EX HPs at 7. I believe you have 11. Might be tough.

[Anonymous]

Update: just got the email to confirm. I did get approve.

[FinStar]

See, told ya 😉

[UncleB]

This thread is closed to new messages.

The new thread can be found here:  http://ficoforums.myfico.com/t5/Credit-Card-Approvals/AMEX-EDP-Navy-Fed-Rewards-and-Citi-DC/m-p/5243...