Quantum MBNA, how to apply?

Discussion in 'Credit Talk' started by Ender, Feb 4, 2002.

  1. marci

    marci Well-Known Member

    Why go through the trouble of "acting" as if you want to buy a computer when you can apply for the loc directly - AND have some say in what kind of credit line you want?


    www.mbna.com
     
  2. Ron

    Ron Well-Known Member


    marci,

    He didn't want MBNA checked his credit from TU and his credit report is not as good as Experian. He got better chances to get if MBNA only looked at his Experian. I already gave him the link.



    Ron.
     
  3. Ron

    Ron Well-Known Member

  4. marci

    marci Well-Known Member



    I just applied for two MBNA products and they pulled Experian three times. They didn't pull Trans Union at all (or Equifax).
     
  5. the other

    the other Well-Known Member

    They pulled both TU and experian for my apple loan and my fiances.
     
  6. Ron

    Ron Well-Known Member


    I applied for both Quantum Card and Barnes & Noble Platinum Plus pulled credit from TransUnion.



    Ron.
     
  7. Ender

    Ender Well-Known Member

    When I click on either of the links provided ,I get TIMEOUT, EXPIRED message? Perhaps you can just tell me where to look on the page or which place to click (icon)? Thanks!
     
  8. Ron

    Ron Well-Known Member

    Ender,

    You pretend to buy a computer from Apple and at check out they offer you the payment option. Click on it at the bottom of the screen.



    Ron.
     
  9. Ender

    Ender Well-Known Member

    Then I assume you can get out of it once you are finished applying? Or do you call to cancel your order?
     
  10. the other

    the other Well-Known Member


    I didn't even pretend to buy a computer. I just went to the apple store, clicked on view current order, then clicked on the apple instant loan link.
     
  11. Ender

    Ender Well-Known Member

    Okay, just finished my application.. hopefully I'll get it! ihope they check experian.

    I put down 140k as income. It says to wait the mandatory 15 minutes before finding out. Aftert the next 15 mins, I'll check back online..
     
  12. bailey

    bailey Well-Known Member

    Good Luck:)

    And could you please post what APR and line you receive.
     
  13. Ron

    Ron Well-Known Member


    Ender,

    Good Luck. Let us know.


    Ron.
     
  14. Christi

    Christi Well-Known Member

    Well???????
     
  15. sam

    sam Well-Known Member

    15 minutes?? Mine waited 15 seconds.. ??
     
  16. Ron

    Ron Well-Known Member

    Mine is instantly approved for $5500 with 14.99% APR two years ago.


    Ron.
     
  17. the other

    the other Well-Known Member

    mine and fiance's took more than 15 minute. both were approvied.
     
  18. Ender

    Ender Well-Known Member

    I found out that Experian reinserted a chargeoff. I already won in court against them and they should not have put that back on. I will call them today..

    I also found out I was declined and I believe that is the reason why.

    I saw a few inquiries on my CE from MBNA.. so at least they inquire from them, but not sure if they did others.
     
  19. Ron

    Ron Well-Known Member


    Ender,

    I'm sorry to hear. MBNA made 2 inquiries for Apple Loan.


    Ron.
     
  20. Ender

    Ender Well-Known Member

    Once I get that tradeline removed, I will apply again. I'm sure it won't be a problem once I have that removed. I will also ask them to remove the tradelines that were made by MBNA as well.
     

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