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Edit: Maybe I am being a bit too negative about this - this is the fifth card I have been approved for this year if you count the Amex that I canceled as soon as they showed me my limit that reported 2 months anyway so in all actuality, it’s impressive they approved me. I am just grumpy because of their site issues 😂
Just adding this for DP purposes - I’m not exactly thrilled with how everything went with this card app (low SL, website crashed when it was showing me my terms, website crashed again when I tried to make my account, high APR) but DPs are DPs and there aren’t many on BBVA here that are recent.
2K SL, 0% for 13, 21.24% ongoing, EX HP
Pre-approval offer code sent in the mail with an APR range of 13.24-31.24%
18K income
670 EX
Ch 7 8/2010
Repo 9/2012 (paid 6/2014)
Student loans 90 days late in 2012 (2 - paid in full 6/2014)
$65 unpaid med collection 10/2015
AAoA 1y4m
4 new cards in the last 12 months - 3 in March (including the Amex I immediately canceled which reported 2 months anyway), 1 in September - 5 cards total (this makes 5)
1 EX inquiry.
I will keep it but I doubt I’ll put $1500 spend on such a low SL card for the $100 SUB. Maybe it will grow and maybe they’ll drop the interest as the relationship grows. Time will tell.
Congrats on the approval!
Hang in there with them on the site issues... if I recall correctly, they did some changes/updates to the site just a couple of weeks ago so they might still be working out the kinks.
I've had the card for just over a year, and it's solid. Rewards can be a little quirky, but it's nothing to be concerned about once you know how things work (they post the regular 1x points when the charge posts, then any 'bonus' points post a few days after that).
The couple of times I've called in about something (once to get my online login set up, and once to activate Samsung Pay) they were always very nice but as @Gmood1 mentioned they aren't quite as polished as some of the bigger banks. That said, they took care of my issue and I had no complaints.
I will suggest to avoid their secured message system, though. I used it to request a due date change, and it took them over a week to get back to me, then another several days to reply to my response (both messages I got from them apologized for the delay, so they were aware of it and are perhaps working on it). Had I simply called them I suspect it would have been dealt with much more efficiently.
Finally, as others have mentioned the real-time rewards (RTR) actually works quite well... I used it to 'zero-out' my rewards balance (I purchased an Amazon GC for the exact amount of my rewards balance) and it worked exactly as advertised. I'm giving my WF Propel a little attention for a while but I'm sure I'll switch back to the ClearPoints in a few months.
Oh, they also give auto-CLIs at times; here's the thread for mine: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BBVA-Compass-ClearPoints-Auto-CLI/m-p/5256393
Hope this helps!
I understand your concerns.
If it helps any, the thing that actually annoys me will probably work in your favor. For some reason, both of my bank's bill pay systems (USAA and Wells Fargo) can only send paper checks to BBVA/Compass... no ACH. Because of this, I have always just allowed BBVA/Compass to 'pull' the payments directly from my checking account.
I generally avoid paying this way, but for Discover, Amex, and this account I do allow them to 'pull'. Anyway, so far there's never been a delay with funds being available... it's not quite instant (like Amex), but if I recall correctly the account is updated and funds are available for new charges the next day, which is pretty good.
Also, once you get the card be sure to install their app on your mobile phone... the app has the same functionality as the website, but is much easier to use (IMO).
If you decide to hit them up for a bump in the credit line good luck, and let us know how it goes!
Congrats on the approval OP. Keep doing your thing and hopefully it will grow for you.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Congrats on your approval !!!
Thanks for the informative post on a relatively unkown CC, S.
And Congrats! on your approval. Please let us know how the recon goes.
@Anonymous wrote:Thanks for the informative post on a relatively unkown CC, S.
And Congrats! on your approval. Please let us know how the recon goes.
Thank you
I figured adding my data points would help with some updated info on this card. It really does seem like those offers are solid preapprovals from what I have been reading.
I am still undecided if I am going to call them or not. I guess it depends on how I feel tomorrow. I have never tried to recon anything before but they do leave the number to the department along with your application number in the welcome email which is a nice touch and seems to suggest they are open to calls (they have an email address in there as well for applications).