I just tried it for the heck of it and did not really expect much because I had asked for an increase on my previous mbna creditline and was declined a month ago. I ask for 5000.00 and they just gave me 7500.00 Wow! I am shocked that brings me to $20000 with MBNA in 3 months time!!!!!!! I am loving MBNA! I guess my 3 months of impeccable payments are paying off Cypri
I nearly DIED when they approved me. I asked for $3500 and got $3500. Then I thought, dang why didn't I ask for $5K? I guess they give the max regardless of what you ask for. CONGRATS
Tell me about it girl! I so rarely get instant approval. Anyways, I wish I had asked for more than $600. They gave me $1800. Should've asked for $1200 or something.
Thanks Christi! I have been trying to be very good and this is my first application in a month. But could not pass it up since the 6 month same as cash deal ends on JAN 31, 2002. By the way quick question! When you got your new account number how long afterward were you able to sign up online? I already have online access but it won't let me link up this new account yet. I am thinking that maybe it takes 24 hours before you can access your account online. Thanks and congrats to you as well!! Also how your lawsuit plans going for Miss Texas Cypri
Christi, I asked for $3500, they gave me $5500. Last year, they increased my limit from $5500 to $5800. Thy lowered my rate from 14.99% to 12.99%. Ron.
I called the 800 number Ron gave me today and got account number, went to www.mbnanetaccess.com and was able to immediately login. I called back and they are tranferring $2500 into checking acct, takes 3 days and charge is $40.
Where is the website for this?? Also as Ron once explained to me, you DON'T have to buy an apple product and you can use this line for access, correct?? Do you have to request this or do they autmatically set you up with the LOC and access checks, debit card etc?? Thanks
you just apply, its a one page application and you click continue and away you go! I had approval in less than a minute! Just click on Instant Loan on the website www.apple.com Good Luck Cypri
Thanks One other question, do they give you the apr along with the creditline instantly?? I see it ranging from 9.99 to 26.99 Yikes, just want to make sure you have the option to decline upon approval if the apr is really high. By the way, what terms did everyone apply for ( months)?? Thanks
Yes, they will tell you the APR right then and you can accept or decline the loan. If you call Customer service you can have the money electronically deposited into your account in 3 days or they will send you access checks. The fee is 3% $5 min $40 max. She said if you want to use it all, it's cheaper and quicker to let them do electronic transfer, vs paying a fee on EVERY check you write.
Thanks Christi. So what APR is everyone getting?? The 9.99 seems impossible so I think I may pass. I realize I can decline, but don't think I want to waste that inquiry.
Well............. I got 24.99, but considering I have several negs on Experian and a CE score of 552 I was damn happy to just get approved. I am using the money to pay off some other bills for deletion and 2 charge offs for better ratings. In the long run it will help out my credit scores so I have to pay the price. Besides this is the first time in 31 yrs of life for me to have over $1K credit limit with ANYONE, other than mortgage or cars, so I was ecstatic to get approved
heh, two inquiries for me on experian. It's a good way to get your foot in the door with a great bank, regardless. You can always PFB or whatever. The MBNA rep said if you don't charge anything on it, its possible to convert it to another product..
18.99% But I am going to wait and transfer it over to my credit card and convert to a Quantum Card, I wanted to wait until I reached 15000 or 20000 to get the quantum card, I am going to stay with my 0.0% until April and 9.9 % afterwards. Yes Sam you are right it is a great way to get your foot in the door with MBNA. Cypri
I was just denied. MY EQ is 605. EX is 611. TU is 603. I received a message that a letter of explanation will be sent within 5 days Calmest_LA
I've had a fresh look at my equifax and experian since applying. The inquiry is only showing on experian. I'm surprised because usually my equifax gets pulled for everything.
bailey, You have to request the convience checks and they will sent it to you or you request to transfer from LOC to your checking. Of course you have to pay 3 % transaction fee for checks or cash access plus cahadvance fee. By the way there is no card. Just only the account number.account agreement and the access checks. You don't have to buy any computers from Apple. You don't have any card to withdrawl cash from ATM or you cannot get cash advance from any banks like credit card. Everytime you need to access LOC, you need to call them. The websites link is:- http://store.apple.com/1-800-MY-APP...bj1E1/0.3.0.3.30.72.0.LoanPromoBottom.0.0.7.0
