Instand approval (read lots saying not instant so I was surprised). Didn't show APR or CL. Called and was told SL is $4,000 and couldn't confirm the APR. I bank with them and had got an email a few weeks ago saying "You’ve been pre-selected for the Platinum Rewards Mastercard" as the subject. 20,000 points (instead of normal 10,000) if you spend $2,000 in 3 months.
Looks like they pulled TU only. I haven't got any other notifications on my credit monitoring.
TU has my only collection account on it from a few years ago. I need to just pay for delete or something on it as it drags my TU score down. It makes me mad because the debt owed is $350 and is from 6+ years ago (maybe even 7 - can't find the documentation). That was back when i was stupid with credit (charge off from a payday loan - dumb and young).
Here is my stats from CreditCheckTotal pulled right before applying (I have added quite a few accounts since March - 2 AMEX, 2 PENFED cards, Bank of the West cc, and BBVA Compass Clearpoints (not reporting yet):
Here is the email summary:
|•||20,000 intro bonus points after you spend $2,000 within the first 3 months ofaccount opening.1|
|•||20,000 bonus points can be redeemed for up to $250 in travel awards.|
|•||0% introductory APR for 6 months on purchases.* After that, a variable APR applies, currently 15.49% – 23.49%3, based on your creditworthiness.|
|•||2 points per $1 spent on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent on all other purchases.|
Congrats, k8! What was your TU score?
And FYI: TU will remove Derogs 6 months early, if you ask.
Oh I thought I put my TU in there, sorry. TU Fico schore 8 is 685. My FAKO's on Credit Karma, Cap One, etc are 15 or so points lower which I find interesting. And thank you! I was unsure where they would put me with SL. I have 2 $10,000 PenFed cards, $2,000 AMEX, $500 AMEX, $2100 Discover, $1176 Cap 1 secured, QS1 $1,050, Merrick $1,300, Credit One $450 (just logged in today and it went to $700 auto CLI).
Really thinking about cancelling the credit one (just at 1 year -right now waiving AF and giving me APR reduction but doesn't matter since I don't use it) and the cap 1 secured (oldest card 5.5 years)... but not so sure about that since I don't want my AAOC to suffer (I have heard it counts for 7 years but that some banks exclude closed stuff so idk). The discover card is secured and coming up on 12 months in a few weeks. Didn't graduate yet but my scores have come up over 100 points from when I got it so I am guessing it'll happen soon.
Congrats on your approval , thank you for Data points !!!!