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Simmons Bank

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Simmons Bank

Good morning....Does anyone know how many inquires are to many for simmons bank?....Please share..Thanks

Message 1 of 10
9 REPLIES 9
Moderator

Re: Simmons Bank

Not really sure but they are VERY conservative and all stuff is under manaul UW if you didnt already know that.  They will pull TU and need excellent credit 780+ probably to go for it.   Not a ton of information on this site about them as alot of rebuilders or people with alot of credit and that causes most of the site population to not be able to obtain a card from them.  Best of luck if you do try and see what others states, but I would speculate somewhere in the realm of under 5 Inquiries in 2 years although that is just a pure guess.  It won't just be inquiries either it will be total number of accounts, aggregate CL's between cards and your overall profile.

Message 2 of 10
Established Contributor

Re: Simmons Bank

IMO about the only benefit to having a Simmons Bank credit card is the low interest rate. Much easier to get much better cards much more quickly. Again, this is just my opinion.

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 3 of 10
Community Leader
Mega Contributor

Re: Simmons Bank

+1 @Berk

I believe Simmons is more for the status but then again, here it really does not keep most peoples interest in that better cards can be found without having to be so perfect and lower apr cards can also be found. Good luck Op though on your journeySmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 10
Super Contributor

Re: Simmons Bank


@AverageJoesCredit wrote:
+1 @Berk

I believe Simmons is more for the status

Touche, although much of the cachet that was once associated with being a cardholder has now faded. 

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$900K+ club
Message 5 of 10
Super Contributor

Re: Simmons Bank

I still want this card




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 6 of 10
Moderator Emeritus

Re: Simmons Bank


@Meanmchine wrote:

I still want this card


Interest rate is good but there are cards that are easier to obtain with equal or better rates. Also their best reward rate is 1.25 and that is not competitve in today's world. Likely you knew all of this!

 

In my distant past this was a card I wanted to go after but, once the market place got competitive Simmons drifted out of the forefront. In truth, I did not have the credit scores to make it in the past. Today, likely so and no inquiries anywhere for two years. Now I am not going to apply.

 

Best of luck and please come back and provide data points if you can. Times change and you just never know?!

Starting Score: 300
Current Score: 850
Goal Score: 850


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Message 7 of 10
Community Leader
Mega Contributor

Re: Simmons Bank

Lol, isnt Simmons a Bed?Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 10
Moderator Emeritus

Re: Simmons Bank


@AverageJoesCredit wrote:
Lol, isnt Simmons a Bed?Smiley Wink

Hey AJC, wrong thread, beds refer to @M_Smart007  and sleeping with his shoes on! Ha ha ha ok or NOT Smiley LOL

Starting Score: 300
Current Score: 850
Goal Score: 850


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Message 9 of 10
Super Contributor

Re: Simmons Bank


@AverageJoesCredit wrote:
Lol, isnt Simmons a Bed?Smiley Wink

No Silly @AJC , "Comfort Card"Smiley Tongue

 

 

Message 10 of 10
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