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Commerce Bank trying to step their game up!

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coldfusion
Credit Mentor

Re: Commerce Bank trying to step their game up!


@Gmood1 wrote:
Congrats Coldfusion! Dude you straight up, smash right through these apps and come out smelling like roses on the other side.😆😎

Thank you!

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 21 of 40
pinkandgrey
Senior Contributor

Re: Commerce Bank trying to step their game up!


@coldfusion wrote:

@Gmood1 wrote:
Congrats Coldfusion! Dude you straight up, smash right through these apps and come out smelling like roses on the other side.😆😎

Thank you!


Congrats! Getting 15k SL, I assume you have a decent income? 

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
Message 22 of 40
coldfusion
Credit Mentor

Re: Commerce Bank trying to step their game up!


@Anonymous wrote:

@coldfusion wrote:

@Gmood1 wrote:
Sure, they pulled EQ for me. Unless you receive a pre-approval. Chances are its will be 100% UW reviewed.
They're hungry for new customers. So not as picky as some of the more well known banks. Expect 2 to 4 business days before getting your approval email. They aren't inquiry or new account sensitive.

I have this card https://www.commercebank.com/personal/cards/credit-cards-ita/save-the-children. $14k SL on a modest income. They offer more cards than what is seen on the main page. I can't seem to find the link.

There was a thread from maybe 6 months ago where someone posted a link to their list of cardholder agreements that also included their co-branded cards.  I had saved the URL:

 

https://commercebank.com/personal/cards/cardholder-agreements-and-disclosures


You are a star, Coldfusion, a real star!  Thank you so much for that link!  


You're welcome!  I wish I could remember though who had originally posted it so I could give proper credit.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 23 of 40
coldfusion
Credit Mentor

Re: Commerce Bank trying to step their game up!


@pinkandgrey wrote:

@coldfusion wrote:

@Gmood1 wrote:
Congrats Coldfusion! Dude you straight up, smash right through these apps and come out smelling like roses on the other side.😆😎

Thank you!


Congrats! Getting 15k SL, I assume you have a decent income? 


Yes, 6 figures.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 24 of 40
Gmood1
Super Contributor

Re: Commerce Bank trying to step their game up!

I think it was @pizza1 that posted it around that time.

Message 25 of 40
CreditCuriosity
Moderator Emeritus

Re: Commerce Bank trying to step their game up!


@Gmood1 wrote:
I think it was Pizza that posted it around that time.

that would be correct and live somewhere in the CC section Smiley Happy

Message 26 of 40
JessieJustice
New Member

Re: Commerce Bank trying to step their game up!

Do they use F8 or F9?  They pulled EQ for me, and my F8 is 648 while my F9 is 699.  

 

Thanks in advance.

Message 27 of 40
CreditCuriosity
Moderator Emeritus

Re: Commerce Bank trying to step their game up!


@JessieJustice wrote:

Do they use F8 or F9?  They pulled EQ for me, and my F8 is 648 while my F9 is 699.  

 

Thanks in advance.


cant remember but it actually might be your mortgage fico as for some reason that is coming to top of my head

Message 28 of 40
Anonymous
Not applicable

Re: Commerce Bank trying to step their game up!

Got my letter today. 

 

Score was 663, says that the score has a range of 250 to 873? Must be mortgage or something. 

 

No reason for denial included, says I have to call and ask for them to send me the reasons. What kind of nonsense is that?!

Message 29 of 40
pinkandgrey
Senior Contributor

Re: Commerce Bank trying to step their game up!

I just got ANOTHER preapproval letter from them lol. They keep sending and I keep shredding. 

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
Message 30 of 40
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