Just FYI, I was calling Generations Banks about their Line of Credit and was told they only do LOCs for over $25,000. I was looking for less and therefore would need to just apply for their credit card. I didn't apply, but did ask if I applied would I get 9.9% with a mid-upper 700s score. She replied with the fact that 730 or higher is required for 9.9% fixed.
I have their 9.9 card, but I strongly doubt my score was anywhere near 730. My TU disclosed score was 703 (I think), but now it is down to around 630 last I checked.
