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Ducks Unlimited Approval :-) 2.0

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Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

I saw a reference to signature on the website so I think one is available. Most issuers start signature at 5000 so we may be platinum because they started us sub-5000.

The only question is will they let us upgrade. I hope so.










(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 21 of 48
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Community Leader
Mega Contributor

Re: Ducks Unlimited Approval :-) 2.0

Nice work thereSmiley Happy
Message 22 of 48
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Established Contributor

Re: Ducks Unlimited Approval :-) 2.0

I can guarantee you that there is a Ducks Unlimited Signature Visa as I have one. I got mine by having a high SL when I got approval. If they will offer you an upgrade depends on the issuer. Some are very stingy and do not do any kind of upgrade. Others code an upgrade as a PC and you need to request it. Most commonly though when your card expires they will issue you new plastic which will say Signature on it. Which style FNBO uses I have no clue.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V(Milford Federal), US Bank Cash+ VS
Wishlist: Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 23 of 48
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Senior Contributor

Re: Ducks Unlimited Approval :-) 2.0

Yes, I thought there had to be one due to the reference on the website. Only question is how do I convert once I'm over $5000.

I don't understand what you mean by you don't know which style? I thought you have one? I'm oviously not understanding something.










(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 24 of 48
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New Visitor

Re: Ducks Unlimited Approval :-) 2.0

Congrats Smiley Happy

Message 25 of 48
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Established Contributor

Re: Ducks Unlimited Approval :-) 2.0


@Birdman7 wrote:
Yes, I thought there had to be one due to the reference on the website. Only question is how do I convert once I'm over $5000.

I don't understand what you mean by you don't know which style? I thought you have one? I'm oviously not understanding something.

My Ducks Unlimited Visa Signature was issued with over 5k in credit line as an SL. I got the signature card when I applied. As a result I have never needed to convert to it and have no clue if FNBO offers conversions after initial issue or what conversion style is available.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V(Milford Federal), US Bank Cash+ VS
Wishlist: Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 26 of 48
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Moderator Emeritus

Re: Ducks Unlimited Approval :-) 2.0

Information is old (2016) but, in the past FNBO did not do an upgrade to a Signature product. However, they reviewed the accounts and (in my case) auto upgraded me to a Visa Signature product. Not upon my request!

 

As good MyFicoer's know the answer "No" is just a slower "Yes" so who's to say. Of banks they have been known to be conservative and I will add "stubborn" on going outside the lines. Flip side, they have been good to me from a Customer Service end and if it is a request between the lines, good chance of getting it. Only offered as past actions.

 

Closed my FNBO cards due to not being in sync with the modern rewards world (back a while). Since then they have done a lot of changing! Got in on a special card offering (open for two months) a couple of years back and they have been good! Smiley Happy

Message 27 of 48
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Established Contributor

Re: Ducks Unlimited Approval :-) 2.0

I have a signature Visa from my credit union, according to the web site and paperwork I got when I received it, but the card doesn't have "signature" written on it. That's not a Ducks Unlimited card, just mentioning that it may not be clearly marked. The benefits of signature vs platinum also don't seem important to me, but ymmv. I think the only two cards I really want at this point are Ducks Unlimited, and CSR (but I'm over 5/24 until 2021, so that leaves Ducks Unlimited to semi-realistically hope for).


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 28 of 48
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Super Contributor

Re: Ducks Unlimited Approval :-) 2.0

Congrats on your CLI




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 29 of 48
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Moderator

Re: Ducks Unlimited Approval :-) 2.0


@Birdman7 wrote:
I saw a reference to signature on the website so I think one is available. Most issuers start signature at 5000 so we may be platinum because they started us sub-5000.

The only question is will they let us upgrade. I hope so.

Yes their is a signature I have it my CL started at 15k, but anything above 5k will get it

Message 30 of 48
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