Cabelas Rewards Card....If it Sounds Too Good.....It Is!!!!

[Anonymous]

I was shopping at the new Glendale,AZ. Cabelas Store and the associate upon checkout tried to convince me to me not use my Charge Card but instead use one of their Reward cards.  I was at first leery and didn't want inquiries on my report so I asked the questions 1) what agency do you pull from? 2) If I had a BK in 2002 would that disqualify me?  The Answers given to me. Were, Equifax , and No 2002 is way old and as long as you've had a good payment history and your DTI is satisfactory you should be fine.  There were alot of people in line behind me so I let her go ahead, all I wanted to do was get my Xmas gifts and go.  I was Declined and got an alert that indicated an inquiry had been made on Transunioun, and Equifax, and the reason was a BK.  Exactly what I disclosed !  I left without giving them a cent! I've filed a report with the FTC #21210861 and the BBB and spoke to a Rep. named Lindsey at WFB (she would not reveal the last name) I've also filed a dispute for an unauthorized inquiry on my Transunion File (I did not authorize or sign anything) This outright deceptive business practices.  In this Economic Climate I'm now stuck with 2 inquiries that won't go away for 2 years 1 of which I did not even authorize built on a lie by a sales associate.

[Anonymous]

Did you fill out the store card application pamphelt?

[Anonymous]

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@Anonymous wrote:
Did you fill out the store card application pamphelt?

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No I did not, Because I'm at slight disadvantage, I'm partially paralyzed from a Stroke.  I did not sign anything see any pamphlet.

[Anonymous]

Hmm, this sort of situation is sort of up in the air. The thing is technically you did apply for credit and authorized them to pull information from the CRA's when she hit the submit button. I've definitely learned from my past not to trust the CSR or Retail reps... the are majority of them are always misinformed or clueless when it comes to credit issues. A week ago I signed up for high speed internet with Timewarner for my new apartment. I asked the CSR if there was going to be a credit check, and she said no. Well just now, I got a scorewatch alert saying I have an inquiry from Time Warner. I'm about to call them soon to have them remove it for unauthorized pull.

[Anonymous]

You may still get a card from Washington Mutual.  I was declined with a BK from 2006 and then got a Cabela's from Wamu with a $7000 CL.  World's Foremost Bank is the one that initially gets the application, but if they are not able to approve, they send it to Wamu.  You may want to call them to check.  You may have a card and not even know it.  Good luck!

[Anonymous]

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@Anonymous wrote:
You may still get a card from Washington Mutual.  I was declined with a BK from 2006 and then got a Cabela's from Wamu with a $7000 CL.  World's Foremost Bank is the one that initially gets the application, but if they are not able to approve, they send it to Wamu.  You may want to call them to check.  You may have a card and not even know it.  Good luck!

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I may be screwed up?  However didn't WAMU bite the bag?  And besides that point, I may/may have not willingly or not let them make an inquiry to my Equifax File, but that still doesn't explain why all of sudden when I got home there was "Text" Alert notifying me somebody had made an inquiry into my Transunion File.  But no Experian....  Seems rather Strange.  How can I dispute this if there is no mention in the letter of Transunion just Equifax but I know better!  That to me proves it's just their sleezy way of conducting business

[Anonymous]

Very non-typical for Cabela's. I'm shocked you didn't get their card with a nice limit considering your scores. As for the app; if you told them it was OK to app you, I think that gives them an okie dokie to pull anyone and everyone they like. Prolly not right but it seems to be the way it works. I'd call for a recon, CSR on the phone have always been very nice to me. Sorry.

[Anonymous]

If you couldn't get a card with those scores than I am DOOMED!!!!

[Anonymous]

Wamu is now owned by Chase, but you can still get their card and it's still a separate deal as far as I know.  I have 2 Wamu cards and nothing has changed for me so far. I'm not sure if it will in the future.  I think the fact that you said "yes" to applying for the card means you verbally gave them permission and I'm not sure what can be done.  When you apply for any type of credit, they will usually pull your credit report.  I wish you luck in getting this straightened out.

[bamagirl1]

Azsun--

there must be something else going on? have u checked your reports recently? the reason i ask is bc i app'd online about 1 month ago for cabelas..i too have a prev bk from 2004 and was approved for the card from worlds foremost bank. its not one of my highest limits, it was either $2000 or $3000 but u may want to try and recon on that or like everyone else they may be tightening the ropes more..sorry this happene