Anyone applied lately. I'm in CA and thinking about applying. Just curious about which report they are pulling.
Thanks for the info. They are fast. Got approved already. BTW, they will send you their underwriting criteria via email if you ask. They require a 650 for auto, consumer, and cc
The CS reps are awesome. I don't have any Chargeoffs (ON TU), so I don't know for sure, but according to the underwriters, as long as you are over 650 you can get the card. Seems that the sky is the limit on the CL as long as you are doing BT's. Rates aren't the greatest though, 9.9%.
My husband just tried to apply online and received a MySQL error. Did you apply online or did you call to apply? His TU is 697 so why not give it a shot? L
I had derogs on my TU, which I know they pulled, and I got the card. I had a 1995 auto charge off (granted, its old) and a paid tax lien from 1995. My score was very low 700's, not sure exactly what. I got $1000 credit, and $9000 for balance transfers, so I was happy because I wanted it for balance transfers. Customer service there is awesome, btw.
I applied last year and was denied. My bk-13 (filed in 1996) was the major reason. FICO at that time was about 660 - 680 Best regards, Mirage
I have a 650 TU with one collection being reported for $179, it will be off tomorrow. Should I wait until then to apply? I am scared to waste inquiries since I am starting fresh, but I need a good limit to BT to. I wished someone from Texas knew for sure
They are pulling TU everywhere, I asked today because I thought it might come up. I asked my score when they called and was told it was a 722. My TU report on TU Website is 708 and mortgage broker said it was 689. I think you can ask for a big CL if you are doing bt's. I asked for 25k and that's what I got with bt's. Without bt's they were only offering 3k. They are concerned with debt to income ratios, I think you have to be below 35%, and they do ask for a paystub "to prove employment".
