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Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

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credit_endurance
Valued Contributor

Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Hi all,

Was looking for some utli padding so went back to Commerce Bank. I currently have the Save the Children Rewards Visa from last year with a $13k CL and was looking for another card that would provide some incentive to actually give it a swipe down the road lol! So browsed through a post that had a complete listing of co-branded commerce bank products and settled on the Whitetails Unlimited Visa Rewards.

 

Filled in the app and hit the button to an instant approval! $15,000 SL! Wasn't even expecting an instant approval as my last app went to review for 5 days before an approval was even made. As mentioned a bare bones no frills type card 1.99 Apr for first 6 months same on BT's. Card will strickly help as a utilization buffer moving forward. Smiley LOL

 

Data points:

EQ pull - Fico 8 718 - 5 over 90 day Late Student Loans Reporting

Accounts/Inquiries - Too many to name/ Inquiries 4/6  16/12 (inquiries are waaaaaaay overated) 19 before the app now 20 reporting.

Utili - 6% reporting - 8 acounts reporting balances

Income - High 5 figures

 

Thanks for looking Smiley Wink

Commerce Bank Instant Approval!Commerce Bank Instant Approval!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 20
19 REPLIES 19
pinkandgrey
Senior Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Congrats! Awesome SL! Commerce loves you!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 2 of 20
CreditCuriosity
Moderator Emeritus

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Nice approval suprised it was instant as well..  Have save the children as well.. How much have you thrown through save the children card if you don't mind me asking?  

Message 3 of 20
credit_endurance
Valued Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Thanks pinkandgrey!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 4 of 20
credit_endurance
Valued Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Thanks CC! 

 

I have thrown them around $700-800 total spend since I got the card around July last year. I really wanted to do more especially around the holiday season as it was such a good cause to donate but, so many other cards needed my attention for SUB's, bonuses, etc that they didn't quite get more spend.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 5 of 20
CreditCuriosity
Moderator Emeritus

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Thanks.. Quite honestly I probably have only put 300-400 on mine..  Sounds so easy to throw a larger purchage on it, but with cards that give alot better rewards the reality is not so simple of doing so Smiley Happy..  

Message 6 of 20
credit_endurance
Valued Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

I hear ya CC. I got to many cards with rewards to name. That’s why now at this stage of the game just want to try and add some easy TL for buffering. Synovus is definitely on my list but must take a road trip to a branch to make that happen. 😉
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 7 of 20
Anonymous
Not applicable

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Congrats on your approval and very nice SL !!!!!
Inqs are so overrated anyways hehe

 

 

 

 

 

Message 8 of 20
credit_endurance
Valued Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Thanks Voltron! Indeed they are 😁
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 9 of 20
Gmood1
Super Contributor

Re: Commerce Bank Whitetails Unlimted Visa Rewards Approval $15k SL!

Awesome BC!!! Congratulations on the approval!!
Commerce is stepping their game up for real!
Message 10 of 20
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