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BBVA Approved $10,000 SL

Xatos
Frequent Contributor

Re: BBVA Approved $10,000 SL

Out of curiosity, do they allow PC?
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 3K | WF CashWise VS $11.3K | Discover IT $9.8K | Disco IT Miles (#2) 2.5K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 15.5K | BECU Cashback 19.5K | EX 719 | TU 753 | EQ 692
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 21 of 31
tcbofade
Super Contributor

Re: BBVA Approved $10,000 SL

Congrats, @Talonwildstar 

 


@M_Smart007 wrote:

 

Congrats on yer BBVA approval, ...I got a pre-qual mailer .. but gardening!

 


...and how is that gardening thing working out for you, @M_Smart007 ?  

 

Smiley Tongue

02/01/21 Fico 8: EX 797, EQ 798, TU 806.
02/03/21 Fico 9: EX 777, EQ 787, TU No idea.

Zero percent financing is where the devil lives...
Message 22 of 31
Talonwildstar
Regular Contributor

Re: BBVA Approved $10,000 SL

I'm sorry I'm not credit card expert lol.... I have no idea what PC means


AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 23 of 31
Jnbmom
Community Leader
Senior Contributor

Re: BBVA Approved $10,000 SL


@Talonwildstar wrote:

I'm sorry I'm not credit card expert lol.... I have no idea what PC means


PC = Product change

EXP 758 TU 783 EQ 729
Message 24 of 31
M_Smart007
Epic Contributor

Re: BBVA Approved $10,000 SL

 

@tcbofadeyou are a troublemaker ..just like @Dinosaur ! .. working out like your Gardening not to long agoSmiley Tongue

 

popcorn eating emoticon.gif
Message 25 of 31
M_Smart007
Epic Contributor

Re: BBVA Approved $10,000 SL


@Talonwildstar wrote:

I'm sorry I'm not credit card expert lol.... I have no idea what PC means


@Talonwildstar I know Jnbmom  answered, but here is for your future reference, I still do not have them all downSmiley Very Happyhttps://ficoforums.myfico.com/t5/Credit-Cards/Updated-Abbreviation-List/m-p/4534572#M1309056

 

Take careSmiley Happy

 

popcorn eating emoticon.gif
Message 26 of 31
coreyb80
Valued Contributor

Re: BBVA Approved $10,000 SL

Congrats on the approval and nice SL!!

Message 27 of 31
Hasselfree
Valued Contributor

Re: BBVA Approved $10,000 SL

Congrats on the approval!  Nice to see someone that got the mailer get approved!  I have that mailer sitting here- did yours have the one interest rate?  I'm gardening, but man this time of year the cc companies come out with some goodies that make offers tempting!

 

cheers to the approvalcheers to the approval




"Your ego is writing checks your body can't cash".
Message 28 of 31
Aim_High
Senior Contributor

Re: BBVA Approved $10,000 SL


@Jnbmom wrote:

@Talonwildstar wrote:

I'm sorry I'm not credit card expert lol.... I have no idea what PC means


PC = Product change


... And to explain what a "product change" means, some banks allow you to 'convert' a card from one type to another.  For example, I had an older Chase Slate Visa card and then later on, they came out with the Freedom and Freedom Unlimited cards.  They allowed me to convert the older Slate card to a Freedom Unlimited card.  The benefit is that usually you can do it without a hard pull on your credit, you carry over the aged credit limit which might be higher than you'd get on a new application, and your credit report still shows the "old" age of the original card so you maintain your AAoA (Average Age of Accounts) and possibly AoOA (Age of Oldest Acccount) if it is your oldest card.  It's a nice trick to have in your pocket.  Keep in mind, though, that all banks will not allow you to do that.  Some would make you apply for a new card instead.






Total Length of Credit > 35 years; AoOA (Currently open accounts) > 27 years
AAoA > 7 years; AoYA less than 1 year (Aug 2020)
Credit Limits: Total > $573K. Average > $28K. Utilization 1%.
Total Inquiries (TU:3 ~ EQ:4 ~ EX:7); Scorable Inquiries (TU:1 ~ EQ:2 ~ EX:4)
New Accounts: 1/6 months; 4/12 months; 11/24 months (as of 01/11/21)
* Hover cursor over each card to see name & CL, or press & hold on mobile app.
** Gardening since 08/15/20. Garden Goal ACHIEVED!!: Gold Spade on 02/15/21
Message 29 of 31
Talonwildstar
Regular Contributor

Re: BBVA Approved $10,000 SL

My mailer was vague 13.99 %- 30.99% I was shocked when they approved for 16.99 % that’s my lowest APR so far..
I wasn’t gonna do it at all Capital One fooled me and screwed me... I have had the quicksilver one for a year, they sent me a message That I pre qualify for reg quicksilver ... so like a dummy I applied they hit all 3 credit bureaus at one time with hard pulls and I got the 7-10 day message ... I was pissed, got hard inquiries and was like what the hell So I did BBVA got the under review message and I thought that was a denial, so I had the synchrony mailer for the new 2% MasterCard they have And did that and was instant approved for $6200 At 26.99 APR ... so I was in shock when 3 days later BBVA sent email $10,000 SL at 16.99 % .... capital one Came back as flat denial, too many inquiries They said but 6 of them were from them Alone because they did all 3 bureaus it is Now in my sock drawer it will be years before I do another app with them!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 30 of 31
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