Curacao Pre Approval

[B335is]

One of the people I work with actually heard of them and she likes going there. I'll report back if it was HP or not. Also wondering how it reports to CR.

[B335is]

*Update*

The card came today and i got a $1500 limit. I heard $2k might be the max. I checked and they hard pulled my TU.

[Creditaddict]

They favor bad credit I'm telling you!
I have seen $6k with less than 600 score!
I was denied last year... Double pull, had called 3 times and never got a letter... I called it discrimination because each rep I spoke to asked if I spoke Spanish.

[Anonymous]

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@Creditaddict wrote:
They favor bad credit I'm telling you!
I have seen $6k with less than 600 score!
I was denied last year... Double pull, had called 3 times and never got a letter... I called it discrimination because each rep I spoke to asked if I spoke Spanish.

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That is because (I have discovered through my work) that they grant credit to people with itins (having an actual social is not a requirement) therefore letting people with itins created credit history so that they can get other credit cards in time. 

[Anonymous]

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@B335is wrote:
*Update*

The card came today and i got a $1500 limit. I heard $2k might be the max. I checked and they hard pulled my TU.

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Sorry for your loss.

[B335is]

The card looks like an old long distance calling card. $35 to ship a vacuum is nuts. I fully admit I was 99% curious what limit I would get.

[Creditaddict]

They saw the Benz loan and said nope not our market

[B335is]

LOL

[Ron1]

Congrats!!!!


Ron.

[Anonymous]

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@Creditaddict wrote:
I called it discrimination because each rep I spoke to asked if I spoke Spanish.

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Since they back their own cards, they can make up whatever approval algorithms they want:

Positive factors

Bad Credit = +$1000 limit

Se habla Espanol = +$2000 limit

No credit = +$2000 limit

Last Name Rodriguez, Martinez, Gonzalez = +$3000 limit

Negative factors

Credit score >700 = -$1000 limit

Benza, BMW, Lexus car loan = -$2000 limit

Last Name Smith, White, Johnson = Application Denied