We received an MBNA app in the mail. I do not want to have a hard inquiry unless I know we have a shot. Anyone have one of there preferred cards? What Credit score did you think you had when you were approved? Thanks!
Do you have any negatives on your report ? I don't think MBNA cards are that difficult to get if you don't have any negatives. BTW what card are you applying for ?
We have old late pays.Old 1997 judgement I.t is for the platinum but on the back says you will also be considered for prefered.
Tina, In response to your post: 1. You will receive a Hard inquiry, it could be from TU, Experian, or both depending on what is and isn't on your Credit Report.. 2. MBNA, does not rely on Scores as much as how you have handled your previous Credit , the amount of Revolving refs, ect.. Good Luck
they will pull experian I was denied due to one unpaid derogatory from 96. They were nice to explain they do NOT consider you a viable customer if you have an Unpaid obligation. lates, paid charge off, may be if you have a good reason for them. .. I had 677 Experian score when i talked to them about 6 months ago.
I got a 20k platinum card with a 670 exp. score. One thrity late from two years ago, no other derogs. You might want to try for the gold reserve loc if you have some "issues". You can convert the gold reserve to a plat. card later on.
Thanks All! I will hold onto it a few more months after we get this Sears deal deleted. I still have 70 points to go also. I apreciate your input!
