I bought a new car over the weekend (2001 Grand Am GT) got 4.9% with GMAC. Applied online today for NextCard...got $5000 limit (but 3000 has to be balance transfers)...applied for Aria and they gave me a measly $500 limit but I had to pay $49 for it. I clicked the NO thanks button. I dont understand unless they are pulling different reports??
I don't think anybody can explain this, when I first starting building my credit I got the Aria plat 5K limit I know hard to believe I had only i yr old tradeline, then got denied by several other banks, never understood it then or now?? But is one of your reports better than the others?? mom
There have been a lot of negative posts about ARIA. NEXTCARD always gives higher limits with a balance transfer... Did you get 9.99% for NEXTCARD?
Yes and the good thing is that I have a card with $3137 (furniture) on it that I intended to pay off with my income tax return. So I just transferred that balance which I will pay off with my tax refund. Then I will still have the higher limit available. I would like to get one more major CC, but now I'm not sure which one to apply for. Killer, as far as inquiries, when I pulled it Sat I only had 2 inquiries. I haven't applied for credit in quite some time. I don't know if the furniture company pulled one or not. But they went thru GMAC and they approved me, so that was 1 inquiry (making it 3), next card would make it 4 and now aria would make it 5. I would like one more card...any suggestions which one to apply for? I don't want to waste that last inquiry, but I dont want Net 1st or one of those 'guaranteed' jobs either. Thanks
You Are PRIME CREDIT! I believe ARIA made you a lousy offer because they knew you would eventually dump them anyway. They figured you would ditch their bad offer. I have heard ASPIRE Visa uses this same tactic - only a certain group would pay 40% for a Visa that does not even report. Hope this helps - Dogman
RE: Laura, same problem I received excellent credit and financing terms, but when I applied for Aria, I was only approved for the Persona, $1000 limit, like 23.99% interest, and the $49 fee. I don't think so!! I got a Juniper instead: 0% APR for 5 months, 17.5K limit. Now that's better! No annual or other fees.
That depends. If you apply for a Cap 1 card, they pull all three. Amex normally pulls 2 reports. Saar
RE: Laura, same problem Allow me to join the club. Approved for Providian Gold Visa, $3,000, no annual fee. Aria however won't give me more than the Persona (the worst) w/ $59 annual fee. I immediately clicked the "No thanks" button. I initially applied hoping to be approved for the Aria Portrait; it didn't happen. Given the fact we hadn't has a signle report of Portrait approval for months, I don't intend to keep trying. Saar
