I applied recently in california and got approved for a plat. card and a gold reserve loc. They pulled TU and Exp. for me. Both scores were in the 680-710 range at the time. I applied over the phone which seems to work better because they will turn you right over to their underwriting dept. You can beg and plead a little without having to PFB after a denial.
I applied online for the MBNA Platinum Plus. A TU report was pulled when the application was submitted. It took about 3 weeks for the card to be processed. An inquiry on EXP was made when the card was approved. My TU wa approx. 698 with no derogs and my EXP was 730 with no derogs. Hope that's helpful. Greg
Re: IF I want to apply for a MBNA.. Martygirl, In my own experience if you have any charge-off account or any negative, MBNA will denied youur application. I applied my Garfield, Mastercard, Barnes & Nobles Platinum Plus MC and Apple Instant Loan (Gold Option Loan) on the websites and they approved me with generous credit limit. They pulled credit from TransUnion and LOC from Experian (2 inquiries). Ron.
Re: IF I want to apply for a MBNA.. I was denied on the phone recently (MBNA) because I didn't have enough history... I PFB'd them yesterday and hopefully they will reconsider soon.
Re: IF I want to apply for a MBNA.. I don't know what number of cards that you can have MBNA. I have three accounts with First USA. I don't they have limited accounts. I know you can have 2 accounts with Citibank. Ron.
Re: IF I want to apply for a MBNA.. There is not any limit in the amount of Cards that you can have with MBNA... A lot of Customers collect Nascar Cards with their favorite Drivers.. Also Professional Sports Cards,,are used by many Customers.. Most of the time in situations like this, MBNA will give preferred Cards.. If a Customer has a sufficient amount of Credit available., A redistribution of the Credit line may be made to open the new Card..
Wolverine, Did they pull the TU for the LOC ..... (ie, both CRAs) or TU for cc and EXP for LOC? Also, how much did you ask for on the LOC?
To those who got approved for MBNA Platinum Plus, (Wolverine, IndyGreg, Ron, etc..) what kind of limits did you get, and what were your scores at the time?
Applied for QUANTUM,(8.2001) but they gave me Plat Plus. Fidelity Pulled: transunion, Experian!! for one APP...1.7% for first 6months i think it was, GOTO 11.99% product $5,500 CL Scores were mid 600's all 3 CRA's the Past 6 months I have gotten (2) $500 CL increases...so now CL is $6,500 They also recently sent me 1.7% BT checks...rate good for only 3 or 4months...ALSO have to pay FEE if i use them...No thanks!!... Tony V. San Diego
