Discussion in 'Credit Talk' started by AZMDX, Jan 21, 2001.

  1. AZMDX

    AZMDX Guest

    Please let me know the experiences, interest rate and credit limits that you have with Nextcard. I got approved on-line for a 8500.00 limit at 16.9%. I never carry balances but I think the rate is high for my excellent credit. Any comments will be appreciated.

  2. jamie

    jamie Well-Known Member

    Hi George,
    I was approved on-line for $3500. If you read through previous posts, I was denied because they say they couldn't verify my information after they called me at home and picked my application apart item by item. I was to send copies of my phone bill, current pay stub, my current address and my first born child to be reconsidered for their card. I was approved hassle free for Discover Platinum and Bank Of America Gold both with much higher limits. Nextcards interest rate was higher than both of these. I chose not to comply with their request. This has also happened to a few others on this board.
  3. rolo

    rolo Well-Known Member

    they approved me for a $700.00 limit and a 23% apr,I turned it down. I already had providian with a 23% apr, and capone 19% I didnt want another high interest rate card.
  4. Tony

    Tony Guest

    I was approved for $11,000 with 9.99 apr. I had to transfer $7000 to get that offer.
  5. hd

    hd Guest

    I, too, was approved for $9k instantly with balance transfers. Then after calling me at home they claim they could not verify my information and retracted the offer. No thank you to Nextcard. And yes, I too received better offers from Citibank Platinum, Juniper, American Express and Universal Card.

    GEORGE Well-Known Member

    $6,000 with balance transfer, five or six months later increased to $8,000 (request by E-MAIL).
    9.99% FIXED.

    different GEORGE
  7. jamie

    jamie Well-Known Member

    Well, that explains why she kept asking me if I was SURE I didn't have any other cards. That rep had me wondering if I did and didn't know about it. Glad I didn't go for it now, if thats the way they do business. Guess we'll just check them off as not to be trusted.
  8. David

    David Well-Known Member

    i was approved for $3500.00
    And they even charged me 9.95 for stupid picture card.
  9. jamie

    jamie Well-Known Member

    Did anyone call you to verify?
  10. GEORGE

    GEORGE Well-Known Member

    F.Y.I. nobody has EVER called me to verify any application in 23+ years...

    BUT, I have been denied JUNIPER, CITIBANK (TWICE), and CAPITALONE in the past six months...


    I guess I am not going to "apply" for anything, even "SOLICITATIONS" mailed to me...
  11. john

    john Well-Known Member

    I got approve for $20,000 with Nexcard they never call to verify anything about 2 weeks later i got the card.9.9%

  12. Chet

    Chet Well-Known Member

    Getting Nextcard with BK?

    Has anyone with a BK gotten the NextCard?
    Are they approving those with damaged credit?

    Are we considering this a "prime" card?

    I would like to apply, but am not sure with my 92 Bk.


  13. Greg

    Greg Guest

    I was approved instantly for $6000 with 9.9% fixed APR. They called about 4 days later to verify balance transfers. Card arrived about two weeks later.
  14. Anon

    Anon Guest

    Was approved 6 months ago with 8k limit @ 12.99 and Chapter 7 in '91. Limit increased to 12k 4mos later. B/K now off CRAs, asked for the 9.99 apr and got it.
  15. Laura

    Laura Guest

    Approved for $5000 with balance transfer got the ongoing 9.9% APR. They however did call and ask EVERY single question of my application again, maybe two more times. I was getting aggravated, but kept answering. Got my card in the mail today.
  16. AZMDX

    AZMDX Guest

    Thank you, everyone. I think that I will keep it and request a 9.99 ongoing rate in a few months.

  17. mj

    mj Well-Known Member

    RE: Getting Nextcard with BK?

    Approved for a $10k limit (w/5k in xfrs) with a '95 BK (no negs. on my report, just the BK entry).

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