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Fidelity Rewards 2% Visa (Elan Financial)

pete19103
Valued Member

Fidelity Rewards 2% Visa (Elan Financial)

    I have been getting pre-approvals for the last few months to apply for the Fidelity Rewards Visa Signature 2% card(it’s only 2% when transferred to certain Fidelity accounts; otherwise 1.5% I believe) from Elan Financials and finally decided to go for it a couple days before my pre-approval expired March 31.  $150 SUB, 0% purchase and BT for 12 months.

 

    FICO Exp Bankcard 9 score of 775, 15% utilization, AOA 3 years 4 months.  Most recent spree: 2 cards 11 months ago, 1 card exactly 1 year ago and another 13 months ago. 21 cards total, highest limit $17K from Discover and total CL of $125K   I just read today that Elan is part of US Bank which would have given me some serious second thoughts; US Bank had rejected me a couple years ago simply because I had gotten 2 new cards about 8 months before applying; told me to wait 6 months and re-apply. That is my only card rejection within the last several years.  I do have a couple Fidelity accounts which I have had for at least 20 years but with only about $500 total in them; no current(or previous) Elan Financial cards at all.

    I felt pretty good about my chances (I didn’t know about the US Bank affiliation at that time) and figured I would get one of those “we are reviewing your application” messages and ultimately get approved for maybe a $5K SL max.   Instead, imagine my shock when I got an instant approval for $18K.  This becomes my highest limit card; I still can’t believe it.

12 REPLIES 12
AllZero
Super Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

Congratulations on your approval! Thank you for sharing the data points.
Message 2 of 13
Credit4Growth
Valued Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

"Elan Strikes Again"...

🥳 Congratulations on your approval! 👏 👏 

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 3 of 13
SEAlifer
Established Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

congratsfetti.gif

AU


Message 4 of 13
cashorcharge
Valued Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 5 of 13
CreditorApproved
New Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

Holy macaroni, now that's an SL. Geez. You're credentials are quite good so I guess it's expected. Congrats 🎉 

Creditor Approved Website - Application Experiences Needed! See Your Chances of Approval.

Credit Cards from Oldest:
Chase Freedom Unlimited $3,000 CL
Discover It $2,400 CL
BofA Cash Rewards $1,300 CL
Apple Card $1,500 CL
Chase Freedom Flex $3,200 CL
758 FICO 733 TransUnion
$11,800 CL - $20,000 income (ECE Student)
2 Years of Credit
Message 6 of 13
gdale6
Moderator

Re: Fidelity Rewards 2% Visa (Elan Financial)

That is a great approval out of Elan, grats on it Smiley Happy

Message 7 of 13
MyFault
Valued Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

Congrats on your approval!



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Message 8 of 13
CreditAggie
Senior Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

Congratulations on your Fidelity Rewards approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 9 of 13
Mr_Mojo_Risin
Valued Contributor

Re: Fidelity Rewards 2% Visa (Elan Financial)

I've seen a few others approved for this CC recently. It seems hot right now. Lol

Congratulations on a sweet SL

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 10 of 13
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