No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Thank you
How long before I reach member status? Thank you
@Anonymous wrote:How long before I reach member status? Thank you
The thresholds are hidden to discourage people from trying to game the system to get there. Just participate in the forum (login, read, post, etc) and you'll get there in no time.
Regarding "tiers": I wish your score was USUALLY the deciding factor, so people would immediately know what they probably would or wouldn't qualify for, but that is not the case, at least in the world of credit cards, for me. I'm well in the 700s and wouldn't qualify for a QuickSilver One, due to reasons that FICO knows as well as Cap1 knows them, but decided not to weigh as heavily when calculating my score as Cap1 weighs them in deciding approval. And that's the rule, not the exception. I used Cap1/QS1 as an example, but the same is true of basically any normal card. Cardmatch gives me one result, Fingerhut. The exception is that my credit union loves me.
I say this not to complain about being rejected for stuff, I would expect that at this stage, I just think there's no point in credit scores existing as a standardized number if they are completely divorced from real-world approvals or denials. We really just need to do what the lenders do, look at our credit reports/profiles and make judgment calls. But in fairness, my profile is from the twilight zone right now. It probably works better for most profiles, most of the time.
Do you have any idea how high my SL will be with BOA on a $26,000 yealy income? My other stats are below
Capital One Card $950 CL
Zero balance no late payments got it Sept 2017
Discovery iT Card $1750 CL
Zero balance no late payments got it March 2019
I only have one inquiry
No deragatory marks
FICO 741
TU 732
EQ 720
Out of all AMX cards they only pre-approved me for 3???Have only gotten one pre-approved mailer in the past 6 months and I am signed up to get them, really strange? I used to get at least 2-3 a week when I did not care about them, now that I want them rarely get them.
@Anonymous wrote:Out of all AMX cards they only pre-approved me for 3???Have only gotten one pre-approved mailer in the past 6 months and I am signed up to get them, really strange? I used to get at least 2-3 a week when I did not care about them, now that I want them rarely get them.
AMEX picks 3 cards they think you might be interested in. Their UW criteria doesn't change much. If you're prequalified for one revolver, you can get any of them and if you're prequalified for any revolver, you can definitely get any of the charge cards.
@Anonymous wrote:Do you have any idea how high my SL will be with BOA on a $26,000 yealy income? My other stats are below
Capital One Card $950 CL
Zero balance no late payments got it Sept 2017
Discovery iT Card $1750 CL
Zero balance no late payments got it March 2019
I only have one inquiry
No deragatory marks
FICO 741
TU 732
EQ 720
Who do you bank with? You'll usually stand a better chance of approval and better chance of higher limits if you already have a banking or credit relationship with the lender.
Your "high limit" card is at $1750. That sets the stage for what you might expect going forward from the 'big banks' like BoA, within a range +/- from it. Some other lenders might be more generous but the large banks are conservative and use your existing limits as a benchmark, from my experience. They want to know they aren't giving you much more than you've already shown you can handle.