To Total Rewards Visa Apply or Not!

[Creditaddict]

I'm thinking since I can't get the pre-approval and my AKC Visa was declined that means NO!

But my Orbitz Visa and Trek Approval make me want to say YES!

[B335is]

Are you opted in?  Ever get a pop up when you log in?

[Creditaddict]

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@B335is wrote:

Are you opted in?  Ever get a pop up when you log in?

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yes opted in and no I'm not getting the pop up at total rewards... I don't get it at Sportsmansguide either.

[B335is]

I got Total Rewards pop up a few weeks after I entered my info to the Total Rewards account profile.  I cleared cache and history and when I logged in, a screen popped up.  It ended up being a hardpull on EQ, but it gave me like 4 CLI immediately.  It's at $12.5k now, so I don't mind that I took the hardpull anymore.  I think my EQ Fico was around 740 at the time.

[Creditaddict]

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@B335is wrote:

I got Total Rewards pop up a few weeks after I entered my info to the Total Rewards account profile.  I cleared cache and history and when I logged in, a screen popped up.  It ended up being a hardpull on EQ, but it gave me like 4 CLI immediately.  It's at $12.5k now, so I don't mind that I took the hardpull anymore.  I think my EQ Fico was around 740 at the time.

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I think my EQ is still a little to low although shocked to see the denial today with the score now in my sigi, that was a decent jump for me (I think the auto loan is helping!)

I will hold off and not cold apply.

[B335is]

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@Creditaddict wrote:

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@B335is wrote:

I got Total Rewards pop up a few weeks after I entered my info to the Total Rewards account profile.  I cleared cache and history and when I logged in, a screen popped up.  It ended up being a hardpull on EQ, but it gave me like 4 CLI immediately.  It's at $12.5k now, so I don't mind that I took the hardpull anymore.  I think my EQ Fico was around 740 at the time.

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I think my EQ is still a little to low although shocked to see the denial today with the score now in my sigi, that was a decent jump for me (I think the auto loan is helping!)

I will hold off and not cold apply.

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Who did you get denial from today?  When did you apply to Cabella's?  I was looking at that one last night.

[Creditaddict]

The denial was Cabela's and they have a hard and fast no bankruptcies of any sort. And no note that 1 past baddie

[B335is]

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@Creditaddict wrote:
The denial was Cabela's and they have a hard and fast no bankruptcies of any sort. And no note that 1 past baddie

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Oh ok, I think they were easier in 2008 when everyone stampeded them.  I kind of want to apply, but looking at some of their prices, I dunno, seems like Amazon is always $50 cheaper.

[Creditaddict]

I had it back in 2008, they cancelled me 9 months later when they "changed lending practices"