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SoFi - Approved

sto0pyd
Contributor

SoFi - Approved

I get bored and curious way too much...  I never got the invite to apply but I did start playing with the SoFi ecosystem by opening a checking account and dumping 5k on the investment side. I know this post is for credit cards, but I will tell you the platform for the investment side is really simple to use but is not as simple as the Robinhood interface... Back to the credit card. I unfroze my Experian.  I was instantly approved for $15,000 with an APR of 16.99%. I don't really know if it's going to be enough to replace my NFCU-Flagship as a daily driver... Here are my specs:

 

  • LMFAO / 24 - I don't think I'll ever get a cool Chase card, but I do have their Amazon, Hyatt, IHG, and Disney
  • They pulled FICO-9, which is at 773
  • 12 inquiries in the past 12 months, so they're not annoying like Citi
  • 2% utilization

One thing I will say about the new fintech companies is they have the process pretty smooth. I was able to seamlessly add the card to both Apple and Google Pay; however, for some reason, Samsung Pay wasn't an option.SOFI Approval.jpg

Message 1 of 23
22 REPLIES 22
Rebuild2019
Established Contributor

Re: SoFi - Approved

Congratulations 🎊🎉🎈 on your approval.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 2 of 23
CreditAggie
Valued Contributor

Re: SoFi - Approved

Congratulations on your SoFi approval!

Current Cards (in order of approval):


Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:



Currently: 0/6, 0/12, 3/24
Message 3 of 23
AllZero
Super Contributor

Re: SoFi - Approved

Congratulations on your approval!
Message 4 of 23
justjac2
New Contributor

Re: SoFi - Approved

Congratulations!!



Ch13 filed Jun 2013, discharged July 2018.
1/1/2021 FICO 8 scores: EQ 751, TU 770, EX 746
Newest account opened Nov 2020, gardening until at least Jan 2022, possibly Jan 2023 (0/24).
Message 5 of 23
gdale6
Moderator

Re: SoFi - Approved

Great SL, grats on it Smiley Happy

Message 6 of 23
CreditMagic7
Super Contributor

Re: SoFi - Approved

Congratulations on your SoFi approval!

Message 7 of 23
cashorcharge
Valued Contributor

Re: SoFi - Approved

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

Message 8 of 23
Wavester64
Valued Contributor

Re: SoFi - Approved


@sto0pyd wrote:

I get bored and curious way too much...  I never got the invite to apply but I did start playing with the SoFi ecosystem by opening a checking account and dumping 5k on the investment side. I know this post is for credit cards, but I will tell you the platform for the investment side is really simple to use but is not as simple as the Robinhood interface... Back to the credit card. I unfroze my Experian.  I was instantly approved for $15,000 with an APR of 16.99%. I don't really know if it's going to be enough to replace my NFCU-Flagship as a daily driver... Here are my specs:

 

  • LMFAO / 24 - I don't think I'll ever get a cool Chase card, but I do have their Amazon, Hyatt, IHG, and Disney
  • They pulled FICO-9, which is at 773
  • 12 inquiries in the past 12 months, so they're not annoying like Citi
  • 2% utilization

One thing I will say about the new fintech companies is they have the process pretty smooth. I was able to seamlessly add the card to both Apple and Google Pay; however, for some reason, Samsung Pay wasn't an option.SOFI Approval.jpg


CONGRATS @sto0pyd !

 

I have very similar #s as yours and have been with SoFi with the money account since day 1 and they never got back to me with an invite either.

 

You said they pull FiCO 9, which CRA?

 

EDIT: Nevermind about which CRA, I missed the part about you unfreezing Experian, so that is the FICO 09 they pulled. Smiley Happy







Potential Future Cards
Message 9 of 23
Carmy03
Established Contributor

Re: SoFi - Approved

Congrats 

Message 10 of 23
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