I received a mailing offer yesterday after months of strugling to rebuild my credit i couldn't hold the itch and i push the button.Sighs.... i was shot down,called recon and nada.Oh well, i guess i will have to continue my journey.It says they pulled EQ 626,my lowest,ugh. I have some 3 old collections still, and a couple of paid and unpaid charge offs,1 paid judgment and 1 that i'm paying right now.I have like 5 credit cards in good standing.My CS EX is 644,Wally TU 643,CK TU 671,Myfico TU 666.
Unless you're above 685 across the board, I wouldn't try to app for a prime card, regardless of what they send you in the mail. I wouldn't even try if there was a collection showing up even I was above 700.
Thank you for your input.It's interesting, i received an email that says thank you applaying and that the application eas received, allow up to 30 days to be processed.