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Sallie Mae Mastercard

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GetMeSlick
Established Contributor

Re: Sallie Mae Mastercard

does barclays card sallimae have anything like auto cli? i got it for 2k initially. 

1/6/2023 FICO TU-840|EX - 838|EQ -840
Total Credit - $470K+
Starting Score: 640
Current Score: 840
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since Sep/2021
Message 81 of 117
GetTheFico
Regular Contributor

Re: Sallie Mae Mastercard


@googlre10 wrote:

does barclays card sallimae have anything like auto cli? i got it for 2k initially. 


Yes, usually around the 6 month mark.

EQ: 780
EX: 767
TU: 779
Message 82 of 117
longtimelurker
Epic Contributor

Re: Sallie Mae Mastercard


@GetTheFico wrote:

@googlre10 wrote:

does barclays card sallimae have anything like auto cli? i got it for 2k initially. 


Yes, usually around the 6 month mark.


But not always. We've had one SM for 13 months, one for 16 months, and no auto-CLI

Message 83 of 117
GetMeSlick
Established Contributor

Re: Sallie Mae Mastercard

if we ask for CLI, will that be a HP or SP?

1/6/2023 FICO TU-840|EX - 838|EQ -840
Total Credit - $470K+
Starting Score: 640
Current Score: 840
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since Sep/2021
Message 84 of 117
TRC_WA
Senior Contributor

Re: Sallie Mae Mastercard


@googlre10 wrote:

if we ask for CLI, will that be a HP or SP?


With Barclays.. .HP.

FICO8 current as of : 2-25-24 EQ: 655 TU: 653 EX: 656
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Gold $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 85 of 117
Anonymous
Not applicable

Re: Sallie Mae Mastercard


@Anonymous wrote:

While it is true that having a 700+ FICO would greatly improve your chances, Barclays is one of the more lenient lenders and there is definitely a YMMV aspect to it. I was approved upon recon for the Sallie Mae with a TU in the 640s. 

 

And yes, the Sallie Mae WMC is a godly card.


what APR and CL did they give you with that score

Message 86 of 117
Anonymous
Not applicable

Re: Sallie Mae Mastercard


@sosabe77 wrote:

FYI:  I just applied for a 2nd Sallie Mae Mastercard to double reward caps (per VirtualCuriosity's advice in this post) and I got instantly approved for another one with a credit limit 2X my 1st one!  I'm actually surprised since they denied me a CLI on the 1st Sallie Mae Mastercard a little over 6 months ago.  Either way, time to double up on cashback! 


Was that an HP?

If ppl are trying for a 2nd SM card and get denied.. aren't they waisting an HP?

Message 87 of 117
Anonymous
Not applicable

Re: Sallie Mae Mastercard


@Kostya1992 wrote:
I have the platinum version. Not really sure how I got approved - all I had on CR was 3 months of Cap1 reporting a $300 balance (with high util) and some AU accounts. Apparently I am real lucky.

What's the difference between plat SM and non plat?

Message 88 of 117
gdale6
Moderator Emeritus

Re: Sallie Mae Mastercard


@Anonymous wrote:

@Kostya1992 wrote:
I have the platinum version. Not really sure how I got approved - all I had on CR was 3 months of Cap1 reporting a $300 balance (with high util) and some AU accounts. Apparently I am real lucky.

What's the difference between plat SM and non plat?


The card comes in 2 flavors the fixed rigid CL platinum or the world MC version that is a flexible spending card (has a limit but you can exceed it)

Message 89 of 117
Anonymous
Not applicable

Re: Sallie Mae Mastercard

$1500, 22.99% APR. Not the best terms, but I was thrilled with it.

Message 90 of 117
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