I saw another member had applied for and was approved for this card, I have a Rural King store close to my home, so I decided to apply on line after chosing the specific location closest to me, the application is very simple and straight forward, once I hit submit, it went to pending, 10 minutes later I get an email with a docusign link, I open it up, it's basically the membership agreement and rate disclosure, it's 0% for 6 months, and 18% moving forward, they are not at all picky about new accounts or inquires, they pulled my Experain credit file, they never did give me a risk based pricing form for a credit score disclosure notice, so I'm guessing its 18% across the board regardless of risk? My current FICO with Experian is 707, high UTL on a few cards, the initial credit line assigned to this account is $10,000.00! So far, I must say I'm impressed with the entire process, to those who are looking to rebuild and have a decent score, or just want to have another option for growing your credit file, consider this card, as well as Redstone Federal Credit Union, they even paid my $5 membership fee!
Oooooo Nice what type of Building/Service is Rural King Harvest?! I've never heard of that store (Congrats on the approval)
Thanks guys, lol, one thing I wanted to add, once you send back the signed docs, they send you a link to retrieve your account number and expiration date for interim purchases until you recieve your actual card, it seems as if you have to set up an online account with them to view activity on the card, and they give you a mailing address for payment remittence with personal check, I'm guessing no monthly statement mailed out? You can also set up online bill pay through your regular financial institution to make payments in this account as well. No other documents were requested for the approval either, such as POI