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BB&T Spectrum Rewards

Scott2696
Established Contributor

Re: BB&T Spectrum Rewards

lol,  Already tried.  Their denial reason was to many recently opened accounts!

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 11 of 37
Harvey26
Valued Contributor

Re: BB&T Spectrum Rewards


@Scott2696 wrote:

BB&T uses Equifax.  Not sure which version tho.  I'm sitting at 668 right now on Fico 8 tho 


Wow Shocked I have just under 100 inqs and a 695 fico 8 according to denial letter at the end of online app... Recently applied. I guess they love you more. lol

Message 12 of 37
AverageJoesCredit
Community Leader
Mega Contributor

Re: BB&T Spectrum Rewards

I love TRUST COMPANY.....

The bandSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 13 of 37
Scott2696
Established Contributor

Re: BB&T Spectrum Rewards

Harvey,

 

IDK,  It made my 3rd time applying for it.  Maybe they got tired of seeing my name come across for it. Although, other than the excessive inquiries, my credit is pretty awesome.  Only 10% Uti across all cards.  None over 30%.  The only thing that I can see inquiries affecting is my APR.  From what I've been told few inquiries results in lower APR's, However, it doesn't stop approvals. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 14 of 37
Scott2696
Established Contributor

Re: BB&T Spectrum Rewards

lol, What can I say!  I've got 25 inquiries for this month alone. 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 15 of 37
donny10
Senior Contributor

Re: BB&T Spectrum Rewards


@Scott2696 wrote:

Harvey,

 

IDK,  It made my 3rd time applying for it.  Maybe they got tired of seeing my name come across for it. Although, other than the excessive inquiries, my credit is pretty awesome.  Only 10% Uti across all cards.  None over 30%.  The only thing that I can see inquiries affecting is my APR.  From what I've been told few inquiries results in lower APR's, However, it doesn't stop approvals. 

 


Scott, is that over 100 inquiries throughout all 3 bureaus or just TU? List how many on each bureau. Thanks bud.

Message 16 of 37
Scott2696
Established Contributor

Re: BB&T Spectrum Rewards

That's 100+ each bureau
EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 17 of 37
donny10
Senior Contributor

Re: BB&T Spectrum Rewards


@Scott2696 wrote:
That's 100+ each bureau

300 across the board? Wow. Your approvals certainly prove inquiries are overrated for sure.

 

Are you serious, 100 on each file?

Message 18 of 37
Scott2696
Established Contributor

Re: BB&T Spectrum Rewards

O yeah!  Very Serious.  If your score is there it is there.  Approvals are not affected by inquiries.  The only thing so far that I can tell it has an impact on is the APR.  As some banks have told me if my inquiries were not so high my APR's would have been lower.  I had 25+ for the month of August alone on each bureau. 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 19 of 37
ecxpa
Valued Contributor

Re: BB&T Spectrum Rewards

How many cards do you have with that many inquiries and what is your highest limit?????

Message 20 of 37
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