bLISpAY Data Share Points & etc etc ...

[Anonymous]

When it comes to Blispay, I think data points are next to worthless.  You can have someone with a 680 score, baddies throughout the profile, lots of inquiries, high utilization and exposure, short AAoA and they get approved then you can have someone with a 810 score, long AAoA, low utilization, few inquiries and they get denied.  While I think data points do apply and are pretty indicative of future results for other creditors, I haven't found any consistency at all with Blispay.

[Anonymous]

Ayyyy

@Anonymous wrote:

Approved OR Declined:  Approved

Approval Limit: 7.1k

If you were denied what was the reason? 
EX 08 Fico: 739

How did it show up as a HP? Blispay/FEB Type: National Credit Card / Airlines - non specific
Instant or Review?: Instant
AAOA: 6 years
Derogs?: (If you have a BK please list type and discharge date!)  30 day late from 2010

What's your Current Exposure in Credit Cards? When I apped 13k

Utilization: 38%

Mortgage/Loans? None
Total EXPERIAN Inquiries: 1 only Blispay
Last 12 months: 1 only Blispay
Last 6 months: 1 only Blispay
New Accounts in last 12 months: 1 only Blispay
Last 6 months: 1 only Blispay

Is bLISpay now Reporting on your Credit Report, if so when? Yes, as of 9/14

If so is it coming up Revolving or Installment? Revolving

** Below is just some etc etc information request if you care to to share**

 EO, Phone numbers, emails or information that is not common knowledge please feel free to share

How long have you had the card? 2 months

Any problems w/phone app or online? None

Experience with Customer Service? N/A

Feedback on their Billing? N/A

Is it Easy or Difficult to Determine what is what on your bill (meaning if you have more than 1 $200 purchase): Very simple, no complaints.

What do you LOVE about the card? (bLISpAY is no longer a hidden trade line) 6 months financing

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[Anonymous]

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@Anonymous wrote:

Ayyyy

@Anonymous wrote:

Approved OR Declined:  Approved

Approval Limit: 7.1k

If you were denied what was the reason? 
EX 08 Fico: 739

How did it show up as a HP? Blispay/FEB Type: National Credit Card / Airlines - non specific
Instant or Review?: Instant
AAOA: 6 years
Derogs?: (If you have a BK please list type and discharge date!)  30 day late from 2010

What's your Current Exposure in Credit Cards? When I apped 13k

Utilization: 38%

Mortgage/Loans? None
Total EXPERIAN Inquiries: 1 only Blispay
Last 12 months: 1 only Blispay
Last 6 months: 1 only Blispay
New Accounts in last 12 months: 1 only Blispay
Last 6 months: 1 only Blispay

Is bLISpay now Reporting on your Credit Report, if so when? Yes, as of 9/14

If so is it coming up Revolving or Installment? Revolving

** Below is just some etc etc information request if you care to to share**

 EO, Phone numbers, emails or information that is not common knowledge please feel free to share

How long have you had the card? 2 months

Any problems w/phone app or online? None

Experience with Customer Service? N/A

Feedback on their Billing? N/A

Is it Easy or Difficult to Determine what is what on your bill (meaning if you have more than 1 $200 purchase): Very simple, no complaints.

What do you LOVE about the card? (bLISpAY is no longer a hidden trade line) 6 months financing

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 I caught a bLISpAY Fish ...

Thank You for the Data Points. 

Great Information ! 

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[CreditCuriosity]

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@Anonymous wrote:

When it comes to Blispay, I think data points are next to worthless.  You can have someone with a 680 score, baddies throughout the profile, lots of inquiries, high utilization and exposure, short AAoA and they get approved then you can have someone with a 810 score, long AAoA, low utilization, few inquiries and they get denied.  While I think data points do apply and are pretty indicative of future results for other creditors, I haven't found any consistency at all with Blispay.

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Like Discover.. Gotcha.

[minski]

I'll bite.

Approval Limit: $9900

If you were denied what was the reason? 
EX 08 Fico: 750+

How did it show up as a HP? Yes
Instant or Review?: Instant
AAOA: 60 months give or take
Derogs?: (If you have a BK please list type and discharge date!) no

What's your Current Exposure in Credit Cards? 

Utilization: <10%

Mortgage/Loans? yes
Total EXPERIAN Inquiries: 
Last 12 months: 0
Last 6 months: 1-3 (I app'ed for 2-3 other cards at same time ahead of Blispay)
New Accounts in last 12 months: 0
Last 6 months: 3

[Anonymous]

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@CreditCuriousity wrote:

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Like Discover.. Gotcha.

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Does Discover deny squeaky clean profiles with 810 credit scores too?  I have not heard of this, but I wouldn't know for sure.

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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Like Discover.. Gotcha.

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Does Discover deny squeaky clean profiles with 810 credit scores too?  I have not heard of this, but I wouldn't know for sure.

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yes they do.  they are all over the board as well.  Not verification issues like blispay, but other rabbits they decide to pull out of the hat.  Probably the toughest lender to figure out.  Although more than likely they would approve someone with an 800 score for say 3k rather than deny them and then give someone with a 680 score a 8k CL that kinda weirdness.  Anyways thread is about blispay and didn't mean to change it, just found a place a could show other lenders do similiar weird things thus quoting your comment.

[Anonymous]

I am going to atttempt a blispay again once my bigger accounts have done their October update. Ive paid off 8 accounts to zero, paid down about $4500 in debt over the summer and my 48month auto loan now has 14 payments behind it. I was rejected in April Blispay for inquries alone, but we all know if you are borderline on any criteria they just pick one that is also bad, as its proven high INQ  doesnt make a denial if your util is fine.

I'll tell you all ALL about it if i snag one, if this thread is still alive, and ill make an approval post  im sure.

[Anonymous]

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@CreditCuriousity wrote:

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yes they do.  they are all over the board as well.  Not verification issues like blispay, but other rabbits they decide to pull out of the hat.  Probably the toughest lender to figure out.  Although more than likely they would approve someone with an 800 score for say 3k rather than deny them and then give someone with a 680 score a 8k CL that kinda weirdness.  Anyways thread is about blispay and didn't mean to change it, just found a place a could show other lenders do similiar weird things thus quoting your comment.

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Interesting.  I read quite a bit on these boards and have not seen many cite 800+ scores getting denials from Discover.  Low (relative) SL approvals sure, as is the case with any creditor really as all of them to some degree are difficult to figure out.  I'll have to read up more on Discover; with Blispay it's a glaringly obvious flaw referenced by many people [relative to the total number of Blispay approvals].

[LDS90]

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BellaLina wrote:

I don't have a bLISpAY card, however I am intrigued by this new startup card and wanted to collect some information for others as intrigued as myself. Mind you this is a NEW Credit Card Company and I am pretty sure they are a WIP (Work in Progress).  What I mean by that is that they are going to tweak and fine tune their product and probably their qualifications.  So what I am trying to do here is to collect data so that we all can make a more educated decision on if we are ready to app or not.  

Approved OR Declined:  APPROVED 

Approval Limit:  $5,000

If you were denied what was the reason? 
EX 08 Fico:  687

How did it show up as a HP?  HP
Instant or Review?:  REVIEW (2 DAYS)
AAOA:   9 YEARS
Derogs?: (If you have a BK please list type and discharge date!) CH 7 (11/2010) - NO LATES SINCE

What's your Current Exposure in Credit Cards?

Utilization:  5%

Mortgage/Loans?   YES 
Total EXPERIAN Inquiries:   6
Last 12 months:   6
Last 6 months:    4
New Accounts in last 12 months:  4
Last 6 months:  4

Is bLISpay now Reporting on your Credit Report, if so when?  NOT YET - JUST APPROVED

If so is it coming up Revolving or Installment? DON'T KNOW YET

** Below is just some etc etc information request if you care to to share**

 EO, Phone numbers, emails or information that is not common knowledge please feel free to share

How long have you had the card?  ONLY ACCT NUMBER (WAITING FOR CARD)

Any problems w/phone app or online?  NO

Experience with Customer Service?  N/A

Feedback on their Billing?  TO NEW 

Is it Easy or Difficult to Determine what is what on your bill (meaning if you have more than 1 $200 purchase)  TO NEW 

What do you LOVE about the card? (bLISpAY is no longer a hidden trade line)  BOTH 2% CASH BACK & 6 MONTHS FINANCING