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Approved For New SoFi Credit Card

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craig10x
Regular Contributor

Approved For New SoFi Credit Card

I've been with SoFI for about a year (using SoFi Money)...and when i saw the new Credit Card offering i clicked on to get on the wait list...

About a week or so later i received the invitation to apply...

 

I have a good credit history, always pay on time...Credit Card scores of around 740 on the three bureaus...but i do have 5 credit cards and a LOT of Hard Inquiries...in recent times, it looked like no one wanted to to give me a new card (mostly because of the inquiries)...And forget Chase (LOL)...

 

Anyway, decided to give it a try as a "lark" and wasn't expecting anything positive... I almost fell of my Chair...Instant Approval and $11,000 Credit Line!  Just waiting now to receive the card...

 

 

 

Message 1 of 14
13 REPLIES 13
AllZero
Mega Contributor

Re: Approved For New SoFi Credit Card

Congratulations on your approval!

Message 2 of 14
CreditAggie
Community Leader
Super Contributor

Re: Approved For New SoFi Credit Card

Congratulations on your SoFi approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (January 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 14
blindambition
Senior Contributor

Re: Approved For New SoFi Credit Card

Smiley Happy

Message 4 of 14
Wavester64
Valued Contributor

Re: Approved For New SoFi Credit Card


@craig10x wrote:

I've been with SoFI for about a year (using SoFi Money)...and when i saw the new Credit Card offering i clicked on to get on the wait list...

About a week or so later i received the invitation to apply...

 

I have a good credit history, always pay on time...Credit Card scores of around 740 on the three bureaus...but i do have 5 credit cards and a LOT of Hard Inquiries...in recent times, it looked like no one wanted to to give me a new card (mostly because of the inquiries)...And forget Chase (LOL)...

 

Anyway, decided to give it a try as a "lark" and wasn't expecting anything positive... I almost fell of my Chair...Instant Approval and $11,000 Credit Line!  Just waiting now to receive the card...

 

 

 


Congrats!

 

What CB did they pull? 😎






Potential Future Cards

Closed Accounts
Message 5 of 14
blindambition
Senior Contributor

Re: Approved For New SoFi Credit Card

Congrats on the Sofi approval!! I was experiencing technical issues with first post!!

Message 6 of 14
craig10x
Regular Contributor

Re: Approved For New SoFi Credit Card

Thanks so much Smiley Happy

 

They pulled from Experian and that's the bureau where i have the most hard inquiries too...which makes it even more surprising...perhaps the bank that manages the card puts less emphasis on hard inquiries and most of it's emphasis on credit history and credit score...

Lucky for me Smiley Very Happy

 

I like that it is 2% Cashback on everything (if you redeem into SoFi Money first...of course you can always transfer it out)...

 

And that it is a Mastercard World Elite...Only surprising thing is it doesn't have Extended Warranty/Purchase Protection and Auto Rental Insurance but it does have free Cell Phone Insurance...I also appreciate the very nice starting line given but again...probably based on my history and score...

Message 7 of 14
Anonymous
Not applicable

Re: Approved For New SoFi Credit Card

Wow, very nice approval - great score 👍

Message 8 of 14
dudefromtx
Established Contributor

Re: Approved For New SoFi Credit Card

Congrats on the approval!

Message 9 of 14
gdale6
Moderator Emeritus

Re: Approved For New SoFi Credit Card

Pretty good SL there, grats on it Smiley Happy

Message 10 of 14
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