I probably shouldn't have done it, but I saw this card was invite only (how special *eyeroll*) and I got a pre approval hehe
to be clear, I would never take a personal loan from OMF though they've been sending me pre approval mailers for years at ridiculous rates. Personally, I liked lending club for a personal loan several years ago.
and after verifying my IDentity, it was approved instantly $3k.
Unlike a lot of you, I'm gonna give DATAPOINTS (which is WHAT this forum is about and it seems many people have FORGOTTEN to give DATAPOINTS to help the community members)
I do wonder though.. will this card, backed by subprime One Main Financial, even go above $3k? Can't wait to see what happens at the 6 month milestone)
EQ 8 FICO: 725
income: 300k
util: 16%
inqs: 5/24
aaoa: 8 years
APR: 30.49
cash advance line: 30% of CL
rewards: possible lower apr & cli after 6 mos PLUS a SOLID 1% CB in statement credit
also, since I've read one of the milestones is getting the Plus version of this card (which I got off the bat) I dunno how they can really upgrade the card?? It's not a world mastercard or a WEMC like my other cards. Hoping it can get a higher CL. PIF so don't care about the rate unless they're gonna lower it to like 10% LOL
This was such a waste of an inquiry and a new account, but I literally didn't open any new accounts for like 4 years.
Open to providing other datapoints if anyone's curious. This is what providing datapoints looks like for those that just post braggy approvals and forget this is a data driven forum meant to help folks build credit.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
