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BMO Harris Cash Back MasterCard Approval!

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Regular Contributor

BMO Harris Cash Back MasterCard Approval!

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.
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (011/01/2019): EXP: 692; TU: 704; EQ: 674

Target Red - $800
Discover It Cash Back - $2000
Discover It Cash Back - $4000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $2000
Nordstrom Credit Card - $2500
BMO Harris Cash Back MasterCard - $4000

Total Credit: $16,000
Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Congratulations on your approval!
Message 2 of 16
Frequent Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Congratulations. I've been a BMO customer for 43 years now, from my first job. They were the first bank in Canada to offer country-wide access to your accounts, back in the 1970s. You could walk into any Bank of Montreal branch anywhere in Canada and do deposits, bill payments and withdrawals as long as you had an MBB card. This was a huge advantage in those days of limited banking hours as you didn't have to rush home after work to deposit your paycheque

 

I deal with BMO Harris now as well.

 

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Message 3 of 16
Regular Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Well, here’s an update everyone! Called in to activate my card and got transferred to fraud... waited 40 minutes on hold just for them to say “you’re calling from a different number than we have on file” and continued to list some number I’ve never heard of. Now I need to go step into a branch to present ID...
So far so bad.
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (011/01/2019): EXP: 692; TU: 704; EQ: 674

Target Red - $800
Discover It Cash Back - $2000
Discover It Cash Back - $4000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $2000
Nordstrom Credit Card - $2500
BMO Harris Cash Back MasterCard - $4000

Total Credit: $16,000
Message 4 of 16
Valued Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Congrats on the new card, sorry about all the headaches!





Message 5 of 16
Super Contributor

Re: BMO Harris Cash Back MasterCard Approval!

 

Congrats!!

 

Message 6 of 16
Moderator

Re: BMO Harris Cash Back MasterCard Approval!

Well, hope you get it resolved and grats on getting the card. This is one we dont hear too much about here on myFico.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 7 of 16
Regular Contributor

Re: BMO Harris Cash Back MasterCard Approval!


@jordandhale95 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!!!----


 

FICO 6.2019

TU - 797
EX - 779
EQ - 750 Smiley Sad
Message 8 of 16
Frequent Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Congrats on the approval!

Officially in the garden until October 2021!!
Message 9 of 16
Regular Contributor

Re: BMO Harris Cash Back MasterCard Approval!

Most of them are from multiple auto loans. I was low 500s 2 years ago so I was shotgunned to a lot of different banks. Since then I've purchased/leased 8 different vehicles and cosigned on others for siblings.
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (011/01/2019): EXP: 692; TU: 704; EQ: 674

Target Red - $800
Discover It Cash Back - $2000
Discover It Cash Back - $4000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $2000
Nordstrom Credit Card - $2500
BMO Harris Cash Back MasterCard - $4000

Total Credit: $16,000
Message 10 of 16
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