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I see many vs angel card here. Got a question.

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jsickz32
Valued Contributor

Re: I see many vs angel card here. Got a question.

Last xmas i got that offer pop up while buying a present for my sister but I just cant imagine having a pink card to my name lol. I had a gf that spent 500 weekly on that store and paid it off weekly and her cl never was raised more than 750 and she had it since she was 18 now 23.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 31 of 68
rosegardener
Established Member

Re: I see many vs angel card here. Got a question.

That's a good question regarding points earned for spending at BBW.  I just checked my online account, however as the statement hasn't generated my points haven't updated.  Somehow I have the feeling that it prolly won't result in points, but I'm holding out hope!

 


@jsickz32 wrote:
Last xmas i got that offer pop up while buying a present for my sister but I just cant imagine having a pink card to my name lol. I had a gf that spent 500 weekly on that store and paid it off weekly and her cl never was raised more than 750 and she had it since she was 18 now 23.

It turns into a black card after you get 250 points.....just sayin Smiley Wink

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Message 32 of 68
Sparkz1920
Frequent Contributor

Re: I see many vs angel card here. Got a question.

Yeah, they don't do many auto clis but I'm almost certain I could've requested one every six months and have gotten approved. I spend so much there and with NYandCo...at least 750 a year

Starting Score: 601
Current Score: 670
Goal Score: 700


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Message 33 of 68
Epcot
Valued Contributor

Re: I see many vs angel card here. Got a question.

Tried the shopping cart trick with VS. Got the message saying I was pre-approved for $1000, submitted the last 4 of my social and DOB. Then it gave me the 7-10 day message. Smiley Sad


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 34 of 68
rosegardener
Established Member

Re: I see many vs angel card here. Got a question.

Statement posted today.  I had one VS transaction and one BBW transaction.  Only earned points on the VS transaction.  So the answer to BBW purchases equalling VS points is no. 

 

And Epcot, sorry to hear that.  Smiley Sad  But hey, they might just need a little more time.

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Message 35 of 68
armbenderc
Valued Contributor

Re: I see many vs angel card here. Got a question.


@rosegardener wrote:

Statement posted today.  I had one VS transaction and one BBW transaction.  Only earned points on the VS transaction.  So the answer to BBW purchases equalling VS points is no. 

 

And Epcot, sorry to hear that.  Smiley Sad  But hey, they might just need a little more time.


Ty for finding out for me. Christmas is coming I think I may have a reason to get VIP Smiley Surprised

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 36 of 68
rosegardener
Established Member

Re: I see many vs angel card here. Got a question.

You are most welcome.  I missed your question about how long to get the card, IIRC it took a little over a week to get it. 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Message 37 of 68
Anonymous
Not applicable

Re: I see many vs angel card here. Got a question.

Will your credit score go unchanged if it's a soft pull only, or will it take a ding from the new card reporting? I'd love a VS card, but we're in mortgage underwriting right now :-p

Message 38 of 68
Xtina0508
Contributor

Re: I see many vs angel card here. Got a question.

A soft pull will not negatively affect your score, however, opening a new account will change your average age of accounts and that may cause a drop.

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6/2013 Equifax Fico - 723 : Goal - 800+
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3/2014 Equifax Fico - 737 : Goal - 800+

Message 39 of 68
rosegardener
Established Member

Re: I see many vs angel card here. Got a question.


@Anonymous wrote:

Will your credit score go unchanged if it's a soft pull only, or will it take a ding from the new card reporting? I'd love a VS card, but we're in mortgage underwriting right now :-p


From the pull, no, from the addition of a new account and drop in AAOA, yes, most likely.   If they pull your credit again in the mortgage process they will be able to see the new account, which may geek up the process.  Underwriters are just looking for an excuse to make your life h*ll Smiley Happy.  Don't give them one.

 

Short answer:  NO VS CARD (or any card) DURING MORTGAGE!

 

Wait until closed & funded, then app away Smiley Happy

 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Message 40 of 68
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