Customer151

27 Contributions 101 People Helped Top Contributor

Member Since: August 2013

Most Helpful Contribution

Credit Card Approval Insights

Nov 11, 2014
Helpful to 34 out of 38 people

Credit issuers often give second chances. i got one with exxon, discover, citi, and chase.

Activity (27 Total Contributions)

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Credit Card Approval Insights

Nov 11, 2014
Helpful to 34 out of 38 people

Credit issuers often give second chances. i got one with exxon, discover, citi, and chase.

American Eagle Outfitters™ Credit Card

May 27, 2014
Hardly worth applying for
Helpful to 7 out of 7 people

I got my card in January and they only gave a measly $150 credit limit. Even though I paid my parlance in full monthly and have had a zero balance for  the last 2 or 3 billing cycles they still haven't increased my limit. I've even been issued a card with a $4000 limit since then from a different issuer and my score has significantly increases since being issued the american eagle card. Sometimes companies need to apply some common sense to their credit processes. I would probably even do more business with them if they gave a higher limit. Oh well, I'm sure they will figure it out one day. Probably right around the time they stop outsourcing their customer service to india or Pakistan...

The Secured Visa® from Merrick Bank

May 27, 2014
What a joke
Helpful to 10 out of 11 people

If you look at the back side of the "pre-approval" it shows a monthly fee of $6 per month with a measly $600 credit limit. They must think I just fell off the turnip truck! And about 24% interest. These people are nuts!!, I think I will stick to my chase MasterCard with the $3000 limit. No thanks, keep the change...

Trek Credit Card

Mar 19, 2014
The Trek card
Helpful to 4 out of 4 people

I applied for this card since I've been looking at Trek bikes for nearly a year now. I had 3 commenity bank cards already so I figured it would be an easy approval. I initially got turned down but then I called the back door number and spoke to an actual person that was capable of intelligent conversation. She ran my bureau through another company, experian I think, and she said she was able to get it approved for $4000. Definitely worth calling to request a manual application review instead of a system turn down. And a useful enough limit to actually buy something useful is the best part

ExxonMobil Personal Credit Card

Sep 09, 2014
Second look
Helpful to 3 out of 3 people

I applied and was turned down. After calling the toll free credit number I asked for a reconsideration. They initially ran an Equifax check but ran the transunion upon request. One week later, I recieved my card in the mail :)

A request for a second look is 50/50 but worth the extra time and effort.

Also, they are offering 6 cetns per gallon and also a $30 refund after buying 100 gallons in 60 days.

The only drawback is you have to pay the balance in full monthly to avoid the crazy high interest rate.

Walmart Credit Card

Jan 21, 2014
Wal mart card
Helpful to 3 out of 3 people

I applied recently with a score around 590. I was shocked when I got approved for $700 limit. Nonetheless, a good start.

My Best Buy Visa® Card

Apr 16, 2014
Helpful to 2 out of 2 people

I totally agree. I have had mine since 2011 and maintained a good payment history. The past 6 months I paid my balance in full monthly. My chase MasterCard has a $3000 limit but best buy won't even raise my limit beyond $800. I have had only one limit increase since I have had the card. If I wanted to buy an appliance or big screen I would have to go to an appliance store because I can't charge anything with an $800 limit. So, kinda a worthless card if I can't use it. 

Capital One® Platinum - EXPIRED OFFER

Feb 16, 2014
Helpful to 2 out of 2 people

I had a similar issue. Unfortunately they just don't care. My capital one limit is still only $750 after 3 years and my chase limit is $3500. I brought that to their attention and they transferred me to 5 different people and lied and then I discovered the person was only a csr rep and not an analyst. Then the csr rep said they didn't have any analysts employed with the company. 

Amazon.com Store Card

Sep 21, 2014
High Rate
Helpful to 4 out of 5 people

I have had this card for about 9 months now. My rate is sky high and the limit was only $700.

It's a good card to rebuild a credit profile but I would only reccomend using it if you pay the balance in full each month.

After 9 months I got a CLI of $100. 

I could understand if I had late payments or collections but my profile is clean and current. 

And my bank card has a $10,000 limit. It would be good if they had an actual analyst look at applicaions and CLI requests. 

And aparently they don't initiate a CLI unless it is requested...

Priceline Rewards™ Visa® Credit Card

Apr 06, 2014
Priceline trolling scam
Helpful to 3 out of 4 people

I received an invitation to apply. I figured since they contacted me that I was pre screened to meet the qualifications. I was disappointed to learn not only that I wasn't pre screened but they also hit me with an inquiry and turned me down! My profile is 30% utilizations, no collections, no repos, no foreclosures etc.  and boy 18% debt to income ratio. I called the backdoor number and the analyst was friendly and attempted to override the turn down due to inquiries but no joy. 

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