Congratulations on your approval!!!
@snickerpedia wrote:
@Anonymous wrote:
Went through a lot of headaches with the actual application process, but received the card in the mail randomly this evening.
BMO Harris is a regional bank where you need to some sort of checking, savings, money market account, etc. to hold a credit card with them... didn’t know that at the time of the application. I received a preselected mailer although I had no account with them to apply for their cash back card. $200 sign on bonus, no annual fee, 2% back on gas and groceries and 1% back on everything else. Applied for the credit card online and was told it couldn’t be finalized, but was told to call their 1-800 number. Well, customer service is completely clueless apparently. “You can’t apply without having a checking account so go apply in branch.” Well, obviously I can because I did. I said screw it and applied for a checking account. Immediately called in to check application status on my credit card and they asked me security questions... questions so off the wall I don’t see how anyone would pass. I had given up, but randomly received the card this evening roughly 5 days after applying. No notification. 684 on TU, they pulled TU FICO 8. 79 inquiries, 6 new credit card accounts in 24 months. They couldn’t care less about your inquiries or how many new accounts you have. Approved for 4K, didn’t call in for recon, but I might in branch when I go present two forms of ID to activate this thing. Also 22% UTI on one card, the rest are $0 balances.
Congrats on your approval!
I always get excited when I see someone with over 20 inquiries get an approval!! --- And I have also wanted to always ask someone how they have acquired so many!!! So here goes - (no judgement here either) ----How does one amass 79 inquiries in 2 years!!!----
That's a 12 month mark for me
@woodyman100 wrote:
@snickerpedia wrote:
@Anonymous wrote:
Went through a lot of headaches with the actual application process, but received the card in the mail randomly this evening.
BMO Harris is a regional bank where you need to some sort of checking, savings, money market account, etc. to hold a credit card with them... didn’t know that at the time of the application. I received a preselected mailer although I had no account with them to apply for their cash back card. $200 sign on bonus, no annual fee, 2% back on gas and groceries and 1% back on everything else. Applied for the credit card online and was told it couldn’t be finalized, but was told to call their 1-800 number. Well, customer service is completely clueless apparently. “You can’t apply without having a checking account so go apply in branch.” Well, obviously I can because I did. I said screw it and applied for a checking account. Immediately called in to check application status on my credit card and they asked me security questions... questions so off the wall I don’t see how anyone would pass. I had given up, but randomly received the card this evening roughly 5 days after applying. No notification. 684 on TU, they pulled TU FICO 8. 79 inquiries, 6 new credit card accounts in 24 months. They couldn’t care less about your inquiries or how many new accounts you have. Approved for 4K, didn’t call in for recon, but I might in branch when I go present two forms of ID to activate this thing. Also 22% UTI on one card, the rest are $0 balances.
Congrats on your approval!
I always get excited when I see someone with over 20 inquiries get an approval!! --- And I have also wanted to always ask someone how they have acquired so many!!! So here goes - (no judgement here either) ----How does one amass 79 inquiries in 2 years!!!----
That's a 12 month mark for me
Wow - 79 in 12 months, you might be my hero.....
I am curious - how many approvals do you get? From your signature you obviously have an amazing profile (probably nice long and thick, full of cards with high limits). Once you reach a status such as yourself do you believe that to most lenders the inquiries don't matter at all? Just want to get a pro's take on this - someone who is actually living it.
@snickerpedia wrote:
@woodyman100 wrote:
@snickerpedia wrote:
@Anonymous wrote:
Went through a lot of headaches with the actual application process, but received the card in the mail randomly this evening.
BMO Harris is a regional bank where you need to some sort of checking, savings, money market account, etc. to hold a credit card with them... didn’t know that at the time of the application. I received a preselected mailer although I had no account with them to apply for their cash back card. $200 sign on bonus, no annual fee, 2% back on gas and groceries and 1% back on everything else. Applied for the credit card online and was told it couldn’t be finalized, but was told to call their 1-800 number. Well, customer service is completely clueless apparently. “You can’t apply without having a checking account so go apply in branch.” Well, obviously I can because I did. I said screw it and applied for a checking account. Immediately called in to check application status on my credit card and they asked me security questions... questions so off the wall I don’t see how anyone would pass. I had given up, but randomly received the card this evening roughly 5 days after applying. No notification. 684 on TU, they pulled TU FICO 8. 79 inquiries, 6 new credit card accounts in 24 months. They couldn’t care less about your inquiries or how many new accounts you have. Approved for 4K, didn’t call in for recon, but I might in branch when I go present two forms of ID to activate this thing. Also 22% UTI on one card, the rest are $0 balances.
Congrats on your approval!
I always get excited when I see someone with over 20 inquiries get an approval!! --- And I have also wanted to always ask someone how they have acquired so many!!! So here goes - (no judgement here either) ----How does one amass 79 inquiries in 2 years!!!----
That's a 12 month mark for me
Wow - 79 in 12 months, you might be my hero.....
I am curious - how many approvals do you get? From your signature you obviously have an amazing profile (probably nice long and thick, full of cards with high limits). Once you reach a status such as yourself do you believe that to most lenders the inquiries don't matter at all? Just want to get a pro's take on this - someone who is actually living it.
Inquiries do count against me with new lenders or banks.
A couple of financial institutions that I have real world relationships with don't care. My history and relationship overrule any issues.
While i do well, I'm not wealthy, but investments and numerous transactions help.
Money attracts.
Chase never showed me any preferential treatment. I deposited 100k at 4pm and I received 2 calls from my "personal banker" the next morning.
As Mahrja says, wealth opens doors