cancel
Showing results for 
Search instead for 
Did you mean: 

Ducks Unlimited Approval :-) 2.0

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Frequent Contributor

Re: Ducks Unlimited Approval :-) 2.0


@heavylifter wrote:

congrats ! it will have signifigant value to you and the Family,, I have my eye on this card but it will have to wait a few months i have a 4% sub offer on a chase FU i am going to app in sept befor the mail offer exspires .... i will pull the trigger on the quacker on the first of the year enjoy the card...


@SarahJo wrote:

With camping, 2 children in sports for 3 seasons, and my husband driving an hour to and from work (see link) this card has served us wonderfully.  I have also tested the card at varying "sporting goods" stores, including local bike shops (husband and son downhill mountain bike, not cheap haha), and most places qualify for the 5% CB!


 


I'm eyeing the Chase too ;-)  Really though, 5% CB on the Thule rack for the new car was really nice...a lot falls into that "sporting goods" category, including a lot of places for school clothes shopping! 

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 11 of 48
Highlighted
Established Contributor

Re: Ducks Unlimited Approval :-) 2.0

Congrats on the CLI and on getting the card to begin with! It's a goal card for me, but I'm pretty sure I'd be insta-denied for now. I would get great value from both 5% categories.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 12 of 48
Highlighted
Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

Please tell me more about what sporting goods stores will work, I just got the card. Also for gas, works inside the store as well as at the pump?










(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 13 of 48
Highlighted
Frequent Contributor

Re: Ducks Unlimited Approval :-) 2.0


@Birdman7 wrote:
Please tell me more about what sporting goods stores will work, I just got the card. Also for gas, works inside the store as well as at the pump?

Sure!  For sporting goods thus far we've received the 5% from: Dick's Sporting Goods, Bass Pro, Backcountry.com, bike shops that also sell ski and fitness equipment (local and online).  Nike.com does not earn the benefit.  What you purchase does not matter, just the store...need underwear and Dick's or Backcountry carry it? You're set. I can update a list as time goes on with more experimenting, I've only had the card for 8 months. 

 

In my experience for gas stations it works inside and at the pump.  It is regardless of whether it's for a sandwich or to fill your tank, the benefit is 5%.  

 

P.S. The website is a bit clunky, but works.  When linking an account to pay your bill you can only link 1 single account, not muiltiple.  I was told by a CSR that if you use a computer and the app that you are able to link one account to make app payments and another to make payments via computer...I just stick to changing the accounts manually on the computer if I wish to pay from a different checking account, which works just fine and is instant.  Secondly, the points system is redeemable in 2,500 increments only ($25)...we receive $25/$50 back consistently each month. :-)

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 14 of 48
Highlighted
Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

Thank you for all info!! CLI @ 4 or 6 months?










(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 15 of 48
Highlighted
Frequent Contributor

Re: Ducks Unlimited Approval :-) 2.0

4 months, I've called in and had two SP CLI's @ $3500 each time. 

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 16 of 48
Highlighted
Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

That’s what’s up! That is awesome to hear! I’m excited!










(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 17 of 48
Highlighted
Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

Hey, did you get a Platinum or a Signature? I got a Platinum, wonder if they'll upgrade to Signature? Are there added benefits for Signature with FNBO?










(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 18 of 48
Highlighted
Regular Contributor

Re: Ducks Unlimited Approval :-) 2.0

Awesome!

Message 19 of 48
Highlighted
Frequent Contributor

Re: Ducks Unlimited Approval :-) 2.0


@Birdman7 wrote:
Hey, did you get a Platinum or a Signature? I got a Platinum, wonder if they'll upgrade to Signature? Are there added benefits for Signature with FNBO?

I received the Platinum as well, my SL was only $1,100...good question about upgrading to a Signature due to it's current $8,100 limit.  I have no idea if there is a signature or if there are benfits for it with FNBO, maybe someone else can answer that intelligently haha.

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 20 of 48
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.