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Homecredit.com credit card approval

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Homecredit.com credit card approval

I just got approve for HomeCredit.com credit card on a Pre-Approval by mail envelope, it gives 1 point per dollar on every purchase and 1 point when paid, has no annual fee and a 24.9% APR. I've just started rebuilding so I took the chance on getting this card since I only got an NFCU amex card, First Premier, Willimams sonoma and 3 secured cards, since I got approved for 2500 on this card I'll get rid of the First Premier card. Has anyone had this card yet I can't seem to get anyone who has the card, people seem to only have personal loans with them.
Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621
Current Score:=08-01-19 EQ: 643 TU: 660 EX: 663
Goal Score:=750
|| Home credit Visa $2.5K || Meineke Car Care $1K || NFCU Cash Rewards $15K || NFCU Amex More Rewards $2K || Merrick DYL $700 || OLLO Rewards $300||Raymour & Flamigan $3.5k
Message 1 of 44
43 REPLIES 43
Community Leader
Super Contributor

Re: Homecredit.com credit card approval

Congrats on your approval! Ive not seen approvals for this before, but for anyone interested, here's a link to check it out! Use it wisely, and congrats on rebuilding!

https://www.homecreditus.com/home-credit-visa-card/

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 44
Established Contributor

Re: Homecredit.com credit card approval

Interesting. At first I thought they were another Fintech startup like Petal, Ollo, Blispay. But apparently they have been around since 1997 in the Czech Republic. The have a Spint Visa exclusively for a Sprint customers.

BECU | Apple | Discover | Key
Message 3 of 44
New Contributor

Re: Homecredit.com credit card approval

It's not a bad deal if you're rebuilding.

Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621
Current Score:=08-01-19 EQ: 643 TU: 660 EX: 663
Goal Score:=750
|| Home credit Visa $2.5K || Meineke Car Care $1K || NFCU Cash Rewards $15K || NFCU Amex More Rewards $2K || Merrick DYL $700 || OLLO Rewards $300||Raymour & Flamigan $3.5k
Message 4 of 44
Established Contributor

Re: Homecredit.com credit card approval

Fascinating, based in the Czech Republic.  Looks like they service a Sprint branded Visa as well.   I have not yet found any reference to reporting to the 3Bs.  

 

OP, did they perform HP on you?  Credit Line? Data Points?

 

EDIT:  This is a Bank of Missouri joint.  Also, "Important Information about Credit Reports: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report."

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Message 5 of 44
New Contributor

Re: Homecredit.com credit card approval

I'm suprised that I got an offer since I still have a repo charge off showing on my credit report.

Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621
Current Score:=08-01-19 EQ: 643 TU: 660 EX: 663
Goal Score:=750
|| Home credit Visa $2.5K || Meineke Car Care $1K || NFCU Cash Rewards $15K || NFCU Amex More Rewards $2K || Merrick DYL $700 || OLLO Rewards $300||Raymour & Flamigan $3.5k
Message 6 of 44
Established Contributor

Re: Homecredit.com credit card approval


@caseypdogg wrote:

I'm suprised that I got an offer since I still have a repo charge off showing on my credit report.


Who did they pull?  Did it show as Bank Of Missouri?

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Message 7 of 44
Established Contributor

Re: Homecredit.com credit card approval


@Morpho wrote:

Interesting. At first I thought they were another Fintech startup like Petal, Ollo, Blispay. But apparently they have been around since 1997 in the Czech Republic. The have a Spint Visa exclusively for a Sprint customers.


Yeah, it is Bank of Missouri as servicer  e.g.  Milestone, First Access, Total Visa, Ollo.     

 

"Home Credit Visa® Card: Currently, the Home Credit Visa® Card is only available by invitation. You may receive an e-mail or mailed invitation that includes a website and access code that you can use to access the application and apply."

 

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Message 8 of 44
New Contributor

Re: Homecredit.com credit card approval

I did get an experian HP, I have two unsecred and 3 secured cards my NFCU amex card was my highest at 2000 and the rest are 200 to 500 limits. This will help my utilization for sure since my other unsecured is Williams sonoma and First Premier which I plan to get rid of.

Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621
Current Score:=08-01-19 EQ: 643 TU: 660 EX: 663
Goal Score:=750
|| Home credit Visa $2.5K || Meineke Car Care $1K || NFCU Cash Rewards $15K || NFCU Amex More Rewards $2K || Merrick DYL $700 || OLLO Rewards $300||Raymour & Flamigan $3.5k
Message 9 of 44
Established Contributor

Re: Homecredit.com credit card approval

 


@caseypdogg wrote:

I did get an experian HP, I have two unsecred and 3 secured cards my NFCU amex card was my highest at 2000 and the rest are 200 to 500 limits. This will help my utilization for sure since my other unsecured is Williams sonoma and First Premier which I plan to get rid of.


Yep, if I were in your shoes, I would probably have accepted this "No annual Fee" offer as well.  I don't think I would use it though  Smiley LOL .

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Message 10 of 44
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