Duck card approval profiles

[devacraze]

Just got approved

- instant online approval and then called to follow up to get CL

- EQ Fico - 749, per the credit dept rep (this is exactly what myfico has for my EQ score - not sure if they used EQ or EQ card enhanced) - EQ is my lowest score of the three by around 35 points

- AAoA - 10 years, 11 months

- Zero inquiries 

- Util - 31% in aggregate

- Rate - 10.99% after promotion

- CLI - $20,000

- Income - $418k

I called to speak with a credit analyst to recon the CL to a higher amount. I asked for at least 40k (I have a few cards with CL over 35-37k) and told her I am willing to submit any documentation they require. Analyst told me that the request needs to be reviewed by corporate for a final decision and they would contact me in a few days.

[edited to add AAoA and INQ info]

[baller4life]

That's awesome!! Hope you get the cli you want!

[gdale6]

Approved for Ducks cousin the OCCU Beaver Card 01/12/14

• EQ pull, instant approval, no derogs on file

• Util 9% (on 2 cards)

• AAoA 3.5 Yrs

• Inquiries on file prior to app 3 total, 2 in last year

• EQ Trans Risk 766

• EQ Fico 773 from their letter

• Limit $7500

[xXIDaShizIXx]

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@toi34 wrote:

I just read online that the criteria for the Duck card was:

*EQ Credit Card Enhanced Score -- minimum  score 695

*No baddies within the last 2 years

* 700+scores receive 5 figure limits (higher income = higher 5 figure limit)

...just thought I'd share...

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But didn't a handful of people get the Duck Card with a 650-680 and at least one baddie (or a bankruptcy within the past few years)? Maybe that's just the average criteria? Where did you find this info?

[alvon123]

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@gdale6 wrote:

Approved for Ducks cousin the OCCU Beaver Card 01/12/14

• EQ pull, instant approval, no derogs on file

• Util 9% (on 2 cards)

• AAoA 3.5 Yrs

• Inquiries on file prior to app 3 total, 2 in last year

• EQ Trans Risk 766

• EQ Fico 773 from their letter

• Limit $7500

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congrats

[ecxpa]

Think I just wasted a HP; EQ 659, TU 735, EX 748.  No baddies in past 3 yrs except a tons of inquiries.

[notfancy]

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@gdale6 wrote:

Approved for Ducks cousin the OCCU Beaver Card 01/12/14

• EQ pull, instant approval, no derogs on file

• Util 9% (on 2 cards)

• AAoA 3.5 Yrs

• Inquiries on file prior to app 3 total, 2 in last year

• EQ Trans Risk 766

• EQ Fico 773 from their letter

• Limit $7500

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With your score,, no derogs, small number of inqs... I'm surprised you didn't get a limit of 10k or more as seemed usual for the others in this thread. Still, congratulations, and it isn't a "bad" limit!

[notfancy]

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@ecxpa wrote:

Think I just wasted a HP; EQ 659, TU 735, EX 748.  No baddies in past 3 yrs except a tons of inquiries.

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Why do you think that? Your scores seem to be within their approval range? (unless they pull EQ, I can't recall- in which case, you might be iffy to them)

[xXIDaShizIXx]

So how long is it taking you guys to hear from them if you get the 7-10 day message?

[Blackrv7]

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@notfancy wrote:

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@ecxpa wrote:

Think I just wasted a HP; EQ 659, TU 735, EX 748.  No baddies in past 3 yrs except a tons of inquiries.

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Why do you think that? Your scores seem to be within their approval range? (unless they pull EQ, I can't recall- in which case, you might be iffy to them)

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EQ is what they pull.