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Discussion in 'Credit Talk' started by anne, Apr 5, 2001.
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I applied for Barnes and Nobles Mastercard from MBNA about two months ago and the websites told you will received response in the mail within 30 days. I did call the customer service a couple of times and they finally told me it was approved. It will not red-flag the application if you call to check on the status. They approved you based on your credit history.
How is your credit Anne?? This card sounded pretty good and I "may" apply after mortgage.
I would call back and ask them, believe me they know whether you are approved or not. I would ask them point blank if you are or not.
By all means, call them back, they have the ability to tell you what the letter was about. Whether it be a denial or request for additional information. You will not be able to get a credit analyst though, they call you with questions and don't accept incoming phone calls.
I know you were just approved, congrats by the way. How is your credit, if I may ask?? The terms looked really good thinking about applying in the summer.
I have no negative credit, but very limited credit. I have two installment loans from like five years ago. I got my first credit card in December of 2000. I have one car loan that is current and open. That is about it, that's why I was surprised to have gotten approved. I did have an analyst call me and state that my credit was limited, but that due to my job stability, address stability and education, she approved me.
She said that they usually like to see two to three years worth of credit history (credit cards) and no recent negatives.
Thanks, as long as you have payment history showing on the bureaus and accounts in good standing with minimal negative stuff, I would assume you would be ok.
Your credit must be good, you were approved for Citibank. They turned me down because of limited credit and too many inquiries.
I don't know what my score are and really need to do that. I just got a loan and paid one off and my car will be paid for in June, my main negative entry was from Providian, they were idiots when I had their card, but i paid it off with a loan from the credit union. I have a Dillards and Fashionbug, but no visa or mc. I want to have a decent profile by having a vias or mc or american express. I probably have too many inquires if anything, but I am trying to get. I applied to Orchard Bank and Capitol One, but have not gotten a response. I just need to start generating some positive entries. Will my score raise with the car beening paid off? Someone had advised me to get a visa or mc
to improve my score. Comments for a prison worker trying to score (with the CRA's, LOL!)?