getsmart visa question

Discussion in 'Credit Talk' started by soup, Nov 8, 2001.

  1. soup

    soup Well-Known Member

    Does anyone have this one or better question how is it and is it easy to get? Anyone know which report they pull and score requirements....thanks
     
  2. soup

    soup Well-Known Member

    Also, if you don't qualify for one of the better offers do they automatically down-grade you...for which should you try...FICO 575
     
  3. Debmac

    Debmac Well-Known Member

    I'm thinking its prett easy to get... I got the classic with about the same FICO, had two good lines of credit and many collections...

    Deb @ Mich St.
     
  4. soup

    soup Well-Known Member

    Thanks Deb, did you apply for the classic or gold? Do you know if they automatically downgrade if you apply for the gold and don't qualify, I'm looking at their site on the internet and it seems to be the app for both but I'm not sure....
     
  5. orchard1

    orchard1 New Member

    Does anyone know which report they pull? Thanks!
     
  6. sam

    sam Well-Known Member

    Experian AND trans union. They take the worst score of both.
     
  7. Debmac

    Debmac Well-Known Member

    Agree with Sam.... I think its a standard app, and of course they will downgrade...

    But its a card, good starter card, and VERY good online payment service. They WILL withdraw from your checking the same day or within 24 hrs of submitting an online payment... unlike Cap 1 (48 + hrs) or worse, Orchard bank (3-5 days!!!)...

    Deb @ Mich St
     

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