AT & T Universal Mastercard - Credit Repair Forum from Creditnet
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  1. #1
    $wealth$ is offline Senior Member
    Join Date
    May 2001
    Posts
    276
    I'm thinking about applying for this card. Has anyone recently obtained it? If so what was your approx. score, which credit bureau did they pull, and was your initial credit limit decent?

    AT & T is advertising in my area via print ads with our coupons and the offer seems to be pretty good.

    0% BT until May 2003, purchase APR 9.74%, plus $ 100.00 calling card.

    Info please.
    Thanks

  2.  
  3. #2
    ted75 is offline Senior Member
    Join Date
    Feb 2002
    Posts
    278

    Re: AT & T Universal Mastercard

    I got the same offer through the mail, but it didn't mention Pre-Approved anywhere.

    Are they BK friendly?

    Anyone got one recently? What were your scores? Which bureau was pulled?

    Oh...before anyone flames me for not checking Millenium CBS...I did. Worthless info...All those inquiries were U = Unknown.

    Creditor Name * CRA State # Inquiries
    AT&T UNIVERSAL CARD EXP AZ 1
    AT&T UNIVERSAL CARD EFX FL 1
    AT&T UNIVERSAL CARD EXP MA 1
    AT&T UNIVERSAL CARD EFX NC 1
    AT&T UNIVERSAL CARD EXP NJ 1
    AT&T UNIVERSAL CARD TU TX 1
    AT&T UNIVERSAL CARD TU WI 1


    Thanks.
    T.I.A,

    Ted

  4. #3
    marci is offline Senior Member
    Join Date
    Oct 2000
    Posts
    2,370

    Re: AT & T Universal Mastercard

    Another option is to use the 0% BT offer on a current Citi card. Call Citi retention to get them to apply the offer to a current card.
    marci
    __________

    AmEx Blue 8.49%
    BofA Platinum 10.99%
    Capital One Platinum 8.99%
    Chase Platinum 6.99%
    Citibank Platinum 7.99%
    MBNA Quantum 9.49%

  5. #4
    ted75 is offline Senior Member
    Join Date
    Feb 2002
    Posts
    278

    Re: AT & T Universal Mastercard

    http://consumers.creditnet.com/strai...%22#post180756

    Found a previous post that mentioned...

    Originally posted by wolverine
    My wife and I both have them. I got one with about a 641 exp score. DW has astronomical scores and got 15k plus 0%BT for 9 months. They checked Exp for both of us, but we're in CA.
    Regarding BK friendly...

    Originally posted by spyguyjim
    I got the point that CITIBANK holds any of their customers who go Bankrupt or closes an account with a balance, is non-forgiveable.

    My point here is, CITIBANK wasn't the owner of my account previously when I filed BK in '93, and therefore they weren't the company I filed BK on. In other words, I didn't default on a CITIBANK account since they didn't own the account then; and obviously, they aren't out any money!
    T.I.A,

    Ted

  6. #5
    Dani is offline Senior Member
    Join Date
    Dec 2000
    Posts
    1,847

    Re: AT & T Universal Mastercard

    Originally posted by $wealth$
    I'm thinking about applying for this card. Has anyone recently obtained it? If so what was your approx. score, which credit bureau did they pull, and was your initial credit limit decent?

    AT & T is advertising in my area via print ads with our coupons and the offer seems to be pretty good.

    0% BT until May 2003, purchase APR 9.74%, plus $ 100.00 calling card.

    Info please.
    Thanks
    Wealth,

    I applied three weeks ago and received the card last week. I am not sure what my score was (guessing a really low 700). They gave me a CL of $6K and they pulled from Equifax.

    Good luck.

    Dani
    To repeat what others have said requires education; to challenge it, requires brains. (Mary Pettibone Poole)

  7. #6
    $wealth$ is offline Senior Member
    Join Date
    May 2001
    Posts
    276

    Re: AT & T Universal Mastercard

    Congratulations Dani. I'm happy for you.

    Do you know which CRA they pulled? Have you had any prior experience with Citibank?

    I really want to apply, but think my prior CO with Citibank will re-surface, and result in a BIG Denial:(

  8. #7
    Dani is offline Senior Member
    Join Date
    Dec 2000
    Posts
    1,847

    Re: AT & T Universal Mastercard

    Thanks, wealth. :)

    They did pull from Equifax (in VA, everybody pulls Equifax). I have never dealt with Citibank before and this was my first card with them. Citibank is known for their blacklist (they never forget), but I think Marci got around this. If you apply and they deny you I believe you can contact their Maryland headquarters and ask to be reconsidered.

    Drop Marci an e-mail she could probably help more than I can. When it comes to Citi she knows that co. inside and out. :)

    Good luck.

    Dani
    To repeat what others have said requires education; to challenge it, requires brains. (Mary Pettibone Poole)

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