State Farm Credit Cards

[junior88]

Just a few questions about them. Does it help approval odds if you are an insurance customer with them?  Also, are we sure which CBR they pull and if they are a strict lender?  Just was checking on those.

Thanks!

[SisterGirl]

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@junior88 wrote:

Just a few questions about them. Does it help approval odds if you are an insurance customer with them?  Also, are we sure which CBR they pull and if they are a strict lender?  Just was checking on those.

Thanks!

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It helps if you are a policyholder, but uncertain who they pull for approvals. I've had my Visa for many years & can't recall when processing my application.

SisterGirl

[colindidit]

I'm not sure if it's the same, but I cameacross a thread about a state farm card credit increase and said they pulled TU for their increase...look up other threads on this site and see if they can clue you in

[visorboy1974]

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@colindidit wrote:

I'm not sure if it's the same, but I cameacross a thread about a state farm card credit increase and said they pulled TU for their increase...look up other threads on this site and see if they can clue you in

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They pull TU almost exclusively.  They claim the Bank and Insurance are separate entities, but I can't help but think having insurance helps.  

[webhopper]

My experience has been that they are very conservative... both with limits and approvals.

[tcbofade]

Can't say about their overall rules, but they pulled TU for me.

I have been a State Farm customer for years, and they denied me. 

[visorboy1974]

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@webhopper wrote:
My experience has been that they are very conservative... both with limits and approvals.

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True.  My initial limit was $3000 and I was denied the first attempt. 

[mousefai]

so do they only pull TU?

any user who have experience they pull other then TU.

wanted to apply but tu report looks quite ugly