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Interesting BBVA SL data point.

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Established Contributor

Interesting BBVA SL data point.

I was recently accepted for a BBVA ClearPoints Rewards card for a SL if $15,300 and 16.49% APR, both of which are the best for any of my cards. I did the prequal a few weeks before I decided to pull the trigger on it, and I didn’t notice it at the time, but the SL they offered me was the total CL of my Summit and Discover card at the time I did the prequal ($6500 and $8800). When I got the CLI up to $8800 in my Summit card, I waited a few days and did the double dip and they gave me $10,000, bit when the card reported it was still at $8800.

BBVA’s $15,300 was either my combined CL’s or a heck of a coincidence.

I just thought I’d share that in somebody with a thinner file like mine was considering the card.
I do really like that their prequal tells the SL and APR before you have to apply.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $25000 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)
BBVA Clear Points (DW’s) $10,000 SL - 3% retail

Total CL - $93300

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 4/19/20
741 Experian, 747 TransUnion, 749 Equifax

Goal cards:
Message 1 of 31
30 REPLIES 30
Highlighted
Mega Contributor

Re: Interesting BBVA SL data point.


@JNA1 wrote:
I was recently accepted for a BBVA ClearPoints Rewards card for a SL if $15,300 and 16.49% APR, both of which are the best for any of my cards. I did the prequal a few weeks before I decided to pull the trigger on it, and I didn’t notice it at the time, but the SL they offered me was the total CL of my Summit and Discover card at the time I did the prequal ($6500 and $8800). When I got the CLI up to $8800 in my Summit card, I waited a few days and did the double dip and they gave me $10,000, bit when the card reported it was still at $8800.

BBVA’s $15,300 was either my combined CL’s or a heck of a coincidence.

I just thought I’d share that in somebody with a thinner file like mine was considering the card.
I do really like that their prequal tells the SL and APR before you have to apply.

Congrats on The BBVA Clearpoints, I to got the pre-qualify mailer ..with No relationship.

have since opened a checking and savings with them. so far, I am a happy camperSmiley Happy

 

 

 

 

Message 2 of 31
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Established Contributor

Re: Interesting BBVA SL data point.

@M_Smart007

How do you like their online checking app? Is it real time, meaning does it show debits, payments, credits, etc as they happen? My local bank got bought out and their online banking is terrible! I’m looking to make a change and there is a BBVA branch 5 mins from my workplace.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $25000 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)
BBVA Clear Points (DW’s) $10,000 SL - 3% retail

Total CL - $93300

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 4/19/20
741 Experian, 747 TransUnion, 749 Equifax

Goal cards:
Message 3 of 31
Highlighted
Mega Contributor

Re: Interesting BBVA SL data point.


@JNA1 wrote:
@M_Smart007

How do you like their online checking app? Is it real time, meaning does it show debits, payments, credits, etc as they happen? My local bank got bought out and their online banking is terrible! I’m looking to make a change and there is a BBVA branch 5 mins from my workplace.

I just opened and funded it, have not used the checking yet.

but i know @Saeren probably can give you some good answersSmiley Happy He'll chime in shortly.

 

Message 4 of 31
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Frequent Contributor

Re: Interesting BBVA SL data point.

Nice! Is BBVA geolocked? NY here.
08/2019:
12/2019:

~ This is Chess... It ain't Checkers!!! ~


Message 5 of 31
Highlighted
Mega Contributor

Re: Interesting BBVA SL data point.


@SilverSmith wrote:
Nice! Is BBVA geolocked? NY here.

@SilverSmith, check website and look for branch locator, see if they are in your area?

if not?  ...then have to wait for Prequal Mailer.

 

 

 

Message 6 of 31
Highlighted
Established Contributor

Re: Interesting BBVA SL data point.

They have a great prequal site:
https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $25000 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)
BBVA Clear Points (DW’s) $10,000 SL - 3% retail

Total CL - $93300

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 4/19/20
741 Experian, 747 TransUnion, 749 Equifax

Goal cards:
Message 7 of 31
Highlighted
Super Contributor

Re: Interesting BBVA SL data point.


@JNA1 wrote:
@M_Smart007

How do you like their online checking app? Is it real time, meaning does it show debits, payments, credits, etc as they happen? My local bank got bought out and their online banking is terrible! I’m looking to make a change and there is a BBVA branch 5 mins from my workplace.

I haven't done any transactions with their checking account yet but I was reading the terms and they do seem to post transactions throughout the day, in the order they come in, which is actually a negative to me. I like that my bank processes everything the next morning, deposits first. 

Current rotation:

01/2019:
05/2020:

Goal card: Cash+

P.S. I’m a dude, yo!
Message 8 of 31
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Super Contributor

Re: Interesting BBVA SL data point.

Thanks for the DPs and Congrats



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 9 of 31
Highlighted
Mega Contributor

Re: Interesting BBVA SL data point.


@Saeren wrote:

@JNA1 wrote:
@M_Smart007

How do you like their online checking app? Is it real time, meaning does it show debits, payments, credits, etc as they happen? My local bank got bought out and their online banking is terrible! I’m looking to make a change and there is a BBVA branch 5 mins from my workplace.

I haven't done any transactions with their checking account yet but I was reading the terms and they do seem to post transactions throughout the day, in the order they come in, which is actually a negative to me. I like that my bank processes everything the next morning, deposits first. 


Then you would like US BankSmiley Wink

 

Message 10 of 31
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