Hi all! I received a pre-qualified mailer for the BBVA Compass ClearPoints Visa. I was hesitant at first due to the APR range of 12.24 to a crazy 30.24%! The 0% Intro APR for 13 months on purchases and BT, along with $100 bonus was inticing enough to apply. I applied online yesterday, and waited for a decison after submitting application. It took forever, then sent me to an "oops" screen. I called customer service and was told I was approved, but no info on CL or APR. So, I waited a few hours and called again. This time they couldn't find my app. After calling a few more times with varying answers from reps, I decided to give up and wait until today. I called back today, and was told my app was rejected due to not being able to verify my identity via phone. WHAT?! I had my phone next to me all day. The rep offered to submit another app over the phone, but I declined. I thought I'd give online one more try. This time I used Chrome vs Safari browser. Low and behold, instant approval! Not sure if Safari browser was the issue yesterday. The SL is my lowest at $6,000. My next lowest is BofA at $10,000. Highest is Cap1 at $50,000. Apr was ok at 18.24%, considering it is a "rewards" card. I called my local BBVA branch and spoke with a nice lady who is getting in touch with underwriters to hopefully raise my CL. I also opened up a totally free checking account with no direct deposit required. I may just end up loving this bank!
|EQ 698|TU 674|EX 665| BK discharged 11/2012
[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]
