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SoFi - Approved

NoMoreE46
Established 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


Great write up.  I agree about the pleasant UI and UX of the  new fin techs.  

Makes the Wells Fargos, Synchronys, Comenitys and PenFeds look circa 1990's.

 

Message 11 of 23
Mr_Mojo_Risin
Valued Contributor

Re: SoFi - Approved

I think most of us on this forum get way to bored and curious. Lol 

If loving credit is wrong I don't want to be right! 

Congrats on sweet approval! Cheers 

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,000 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 12 of 23
Demented1
New Contributor

Re: SoFi - Approved

Outstanding…congrats on your SoFi approval!


Current Scores (2021.02.20):

Additional DP’s (2021.02.20):



Take the myFICO Fitness Challenge

Cards Earliest to Latest:


Gardening Since: Last HP = 2020.12.18




“To achieve a goal you have never achieved before, you must start doing things you have never done before.”
- Chris McChesney

Message 13 of 23
coreyb80
Valued Contributor

Re: SoFi - Approved

Congrats on the approval!

Message 14 of 23
M_Smart007
Epic Contributor

Re: SoFi - Approved

Congratulations!

popcorn eating emoticon.gif
Message 15 of 23
mrcraft
Valued Contributor

Re: SoFi - Approved

Congratulations on your approval!!





Message 16 of 23
BAD_UP
Frequent Contributor

Re: SoFi - Approved

Congrats on your SoFi Approval🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 17 of 23
MartyWrite75
Established Contributor

Re: SoFi - Approved

Congratulations on your approval!

February 2021: Experian 702 Equifax 704 Transunion 714


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $2,600 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $5,000 || Overstock Store Card: $4,550 || FNBO Rewards Visa: $2,600

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 01/11/2021 to 02/11/2022 (ideally)
Total Utilization: 15% (Met Goal)
Message 18 of 23
mommydiva
Regular Contributor

Re: SoFi - Approved

Exciting!  Congrats!

Since you're LMFAO/24, is it safe to assume that you were over 5/24 when you were approved for their co-branded cards ie IHG and Disney!

Enjoy that new card!


@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


 

Message 19 of 23
4sallypat
Established Member

Re: SoFi - Approved

Congrats on the CL!

 

I received an invite as well, thinking of opening an account - how much would you say is safe to start with and apply for the credit card ?

Message 20 of 23
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