quick question which cb does fusa platinum pull and how difficult is this card to get with 700 FICO Thanks P.S. I JUST APPLIED ONLINE AND SAID COULDNT GIVE INSTANT DECISION ...IS THIS MEAN DENIAL
Maybe YES, maybe NO. People on this board have even got INSTANT denials, and got the card with-out doing ANYTHING... Somebody even got a DENIAL letter a couple of days AFTER the card... What card did you apply for? (they issue 100's of them)
Well GEORGE I'm not sure which card i applied for besides know it's a platinum. What i did was clicked the link from this site for the "good credit" credit card Thanks
jrjr35, I applied for Yahoo! Visa and they give instantly approved. At the same time, they gave the account number. My borther applied for the same card and they gave him need further processing. After a week, they get denied letter. First USA pull credit from Experian. One year ago, I also applied for First USA smart card. They couldn't give me instant approval. I called the customer service and check on the status of the application after 20 mins. The automated system told I was approved. Ron.
Thanks for the info ron. do you happen to still have the customer service number you called to find out you were approved. Thanks
jrjr35, I think I called 1888-459-2466 and pick the option the status of the application. It has been a while and I don't know it is correct or not. Ron.
Applied online for FUSA platinum card and received "you will receive notice though the mail" response. Well, 3 weeks later I received a letter of denial. They pulled Equifax (FL) with a score of 700. Reason for denial was too many inquiries (7 over last six months) and too many new accounts (6 over last 6 months). Hope this helps....
Thanks for all the information guys I really appreciate it. I wonder though sometimes whether all this is worth it. I mean people have FICO'S of 700 and they get denied for too many inquiries? It sounds to me like an excuse to not give you the card. From what I understand of this FICO nonsense a 700 score is indicative of someone who would only have about a 5% chance of not paying their bills. Why wouldnt they want to take a chance on that? Thanks
Warning! Watch out for FUSA. They pull a lot of scams on people- billing errors, jacking up interest rate during the promo period and after, not posting payments, losing payments, etc., etc. Quick way to ruin your credit if you are not VERY VERY careful. Also, they use the two cycle billing method rather than the average daily balance method.
I will most likely get denied if its based on inquiries! I have around 10 now on EXP!! Perhaps I'll wait till the disputed ones get removed..
Mist, I have First USA Yahoo! Visa Card and I always make payment on-line. They posted my payments after two to three days most. I requested my Yahoo! Visa two months ago and they lowered my rate to 10.99% APR var. By the way, I never carry any balances on the card. Ron.
I had one of our THREE accounts "JACKED" to 22.49% for NO reason...SO I DUMPED THEM!!! They lost $72,000+
...MORE, but the do have a good deal going AOL VISA you get FREE AOL...(not that I would want to give them any more business EVER)!!! JUST F.Y.I. A Superior Platinum Visa! 3.9% Intro APR for five months on purchases and<-----------**** balance transfers, after that a 9.99% Fixed APR on<----------**** purchases and balance transfers<----------------------------**** No annual fee Credit line up to $25,000 Balance transfers with no transfer fees Earn AOL Visa Reward Points with Every Purchase!
George, I got mail offer from First USA and they offer me Free Cash Rewards Platinum Visa. Earn points toward your choice of cash back or Gift Ceritficate.You can get your choice of a $25 check or a free gift certificate valued at $25,simply by earning points with Free Cash Rewards Platinum Visa. How it works: Here howit's works:with the Free Cash Rewards Platinum Visa Card, you'll earn 1 point for every $1 spent on purchases and 1 point for every $1 you spent on interest. Each month, the statement will tell you how many points that you have earned. Then every 2,500 points, you can take your pick of --Check for $25 OR --A Gift Certificate calued at $25 to some of your favorite stores including: JC Penney Best Buy The Home Depot Pier 1 imports The Olive Garden/Red Lobster Barnes & Nobles Booksellers Pizza Hut The Sport Authority credit line up to $100,000 0% fixed APR for purchases up to 6 months 11.74 var APR (prime+6.99) for purchases and balance transfer. I think it is the best cash back/rewards card from First USA that I have seen. It's pre-select offer. Ron.
