Today I received an "Invitation to Apply" for the Associates Visa. It says that if i don't qualify for the Gold card that they will send me a classic card with a minimum credit of $300. No annual fee and decent apr. Now, my question is, how hard is it to get a card with them. Are they considered Sub-Prime? I'm trying to re-establish credit and I have 2 sub prime cards they were opened in june and July. What are my chances?
How damaged is your credit? my cbi score is about 590/600, tu is about 540/550 and trw is about 560. I know they they are low but last year when i started to reestablish my scores were in the low 400's.
RE: Where are you getting your Oh I bought a car this month. I made each dealer tell me the score and from whom. Also a internet finance company told me over the phone.
RE: Where are you getting your Dang Rita. Can you pull my report in a few months. I aint kidding either.
RE: Where are you getting your I was told about a month ago that my Experian score was 703. Sounds good, huh? Well, I was denied by AMEX for too many recent credit checks, so even though all of those inquiries I made were taken into that 703 score, AMEX still didn't want me. I am pretty sure that AMEX Blue doesn't require a score greater than 703!!
They are considered subprime. You should be able to get a card from them, maybe not the gold one, but the classic. I have the classic visa from them, $1000 credit line (started with $750). Pros: no annual fee, easy to get, they increase the line after 6 months. Cons: no online access, high APR, mediocre reputation, subprime customer service.
I agree with you Sorin about their reputation & customer service. However, they have always been considered a prime institution. They do cater to the subprime market as well.
RE: Where are you getting your David, with a score that good, you should call & speak with someone in the credit dept. From what I have been reading lately, you may be able to have a rep override the computer's decision. Good luck!
tom: How long before you got an answer? I'm calling there 800 #, and they tell me they will let me know in 4 weeks!! I applied about 4 days ago.
You can call 800-842-2348 to find out your application status.I applied their Shell gas card on Sep 16(by phone ) and called Sep 25 was told approval.