Approved for Visa Signature at 615

Discussion in 'Credit Talk' started by hunzi1, May 26, 2004.

  1. hunzi1

    hunzi1 Active Member

    I was approved for a United Airlines Visa Signature card with no-preset limit with a score of 615.

    They pulled TU for me.

    I have 1 open collection from 1998 for $400.00
    I have another paid collection from last year.

    I am 75% in ultization.

    Recieved 15k in miles after my first purchase.

    For a Signature card it was easy to get.
    Bank One rep said that Visa from United Airlines is the easiest to get. So I tried.

    Approved Online !!!

    Good Luck all !!!!
  2. hunzi1

    hunzi1 Active Member

    Oh BTW the limit was 5k plus no -preset limit
  3. Mongrol

    Mongrol Well-Known Member

    I just applied, and it said that I have to wait 30 days to hear from them... whats up with that? did you?
  4. Mongrol

    Mongrol Well-Known Member

    called them up and was DENIED!!!!
  5. Mongrol

    Mongrol Well-Known Member

    got pissed and applied for a Macy's card... APPROVED initial limit 100 but will require review for more... (humm... maybe 4 or 500 bucks)

    applied for Kay Jewelry card... waiting for review...

    applied for Home Depot... DENIED

    applied for Target 200 bucks

    I live in Jersey... Will post what bueraus they pulled from when I find out tomorrow am when I pull PG
  6. Mongrol

    Mongrol Well-Known Member

    applied for a aspire visa card... approved 300 dollar limit

    applied for a citgo gas card... approved 200 dollar limit
  7. trina

    trina Well-Known Member

    Did they give you any details on their criteria? Is income a big factor? I have been turned down for cards with ALOT less prestige than a signature, with scores 669-682, at 55% util. Give a girl some hope.
  8. Geo

    Geo Well-Known Member

    BankOne and/or First USA has denied me since i have memory (5 or 6) times and all my scores are over 720 and lowest card is 5.5 k.
  9. Mongrol

    Mongrol Well-Known Member

    here is who pulled what yesterday (This is in Jersey)

    EXPERIAN - STERLING INC Jewelers May 27, 2004

    EQUIFAX - CB&T National Credit Card Cos.May 26, 2004

    EXPERIAN - MACY/FDSB Miscellaneous Department And Variety Stores May 26, 2004

    EXPERIAN - CITGO/CITI Oil Company Credit Cards
    May 26, 2004

    TRANSUNION- CBUSA Home Furnishing May 26, 2004

    Looks like Homedepot denied me on my TU score

    I might be getting the Kay Jewelers since they pulled EXP and its my highest....

    Just looked at my PG fako scores and I went down

    4 points on Equifax
    1 or 2 on TU
    3 on EX
  10. Mongrol

    Mongrol Well-Known Member

    Just wondering... how much will STORE cards increase my FICO?

    I know it will initially may be lower since there is more open new accounts, however the majority of INQS were done on experian where I have over 30 inqs (If I am under 20 inqs my score will go up) and the drop I saw was minimal on pg...
  11. KevPochop

    KevPochop Well-Known Member

    I would suggest you dispute the inquiries with Experian. 30 is a VERY high number. Call Experian. Ask to speak with their fraud unit. The only way to get Experian to dispute inquiries is to state they were done fraudulently. Dispute all but a couple. They will ask if you wanna place a fraud alert on your report. It doesn't hurt you and falls off in 90 days. It is worth it to get 30 inquiries removed!
  12. Mongrol

    Mongrol Well-Known Member

    any suggestions on what type of excuse to use? Say it was my brother?
  13. KevPochop

    KevPochop Well-Known Member

    Tell them you don't have a clue who. They won't ask who. They will ask 'Is this fraud? You answer yes and with that they will investigate and in 30 days all will be gone. I did the same for my mom. All but 1 inquiry was removed. For whatever reasons Advanta refused to remove it.
  14. binodbarma

    binodbarma Active Member

    I had 647, They puller Equifax. Was approved for 11000$ limit Open to charge upto 50K but need to keep the downpayment. I was not expecting that they would approve me but i was. I already have another card from First usa with credit limit of 15K
  15. Mongrol

    Mongrol Well-Known Member

    was this an instant approval?
  16. broncsboi

    broncsboi Well-Known Member

    I wonder what a BK on the record at three years old would do to an application?
  17. broncsboi

    broncsboi Well-Known Member

    I wonder what a BK on the record at three years old would do to an application?
  18. Mongrol

    Mongrol Well-Known Member

    try and find out... it would be good info to put on here...
  19. broncsboi

    broncsboi Well-Known Member

    Hey easy for you to say. I don't know if I want the hard...
  20. faztcobra

    faztcobra Well-Known Member

    Have you ever thought about slimming down that sig? I mean, those aren't your first scores - they're ALL your scores. ;)

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