injustifiiable

51 Contributions 107 People Helped Top Contributor

Member Since: March 2012

Most Helpful Contribution

Discover it® - Double Cash Back your first year

Dec 14, 2013
Approved! In with Discover!
Helpful to 9 out of 10 people

Received an invitation to apply over Thanksgiving....after doing some research I thought I'd apply since they like to pull Equifax (My EQ report is cleaner than TransUnion, which CK is based of).

After putting in info about my employment, I was instantly approved. I didn't get the 0% promo offer (3.90%/6 months, 22.99% after) but I rarely carry balances so I didn't really care. I was able to register for an online account right then.

I didn't know my CL, so I called the customer service line and was directly connected to someone in Ohio - all in less than a minute! After giving him my info, he let me know my credit limit was $1,500. Not bad but expected as Discover is a bit on the conservative side.

The card came Priority Mail 2nd day delivery in a nice fancy package. The welcome kit also included my EQ FICO score which is 705.

I've been using it to get 5% back on online shopping this quarter...can't wait to use it during next quarter for 5% back on restuarants (I eat out a bit.)

Thanks Discover for giving me a chance!

Activity (51 Total Contributions)

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BankAmericard Cash Rewards™ Credit Card

Dec 14, 2013
Pre-Approved! So far, so good.
Helpful to 8 out of 8 people

I'm a current BoA checking account customer and I got a pre-selected letter in the mail about this card. I saw that they did a soft pull on Experian so I figured I had a good chance.

Instantly approved for $2,500 which is good enough for me.

The card itself came in about a week. I got 0% APR for 15 months then 14.99% after...heck, that's better than the Chase Freedom card I was trying to get a few months back!

I've been using it as my everyday card, rotating with my Discover IT to get the respective bonuses each quarter. Since I already bank with BoA, I can make a payment easily by just doing a simple transfer from my checking account online or from my iPhone. I run around $1000/month through it monthly and like to pay twice a month to keep my reported balance down.

Haven't had to call them for anything, and hopefully I won't have to.

Barclaycard® Rewards MasterCard®

Mar 06, 2014
OK so far but still have one eye open...
Helpful to 6 out of 6 people

Received a preselected offer and was instantly approved for $1300. APR kinda sucks at 24.99% but there's only one tier available for this version...did get 0% promo APR for 12 months as well as 2500 bonus points.

Still gonna err on the side of caution since I hear how finicky Barclays can be...was thinking of doing a BT to it but who knows.

Actual TU FICO according to Walmart is 645 (Barclays also gives you a FICO score for free and it was the same)...a couple of baddies but they are fairly old.

Credit One Bank® Credit Card with Gas Rewards

Sep 25, 2012
Helpful to 5 out of 5 people

To those who got denied: Check your Experian reports...that's who they actually pull. CK uses data from TransUnion...you may have a "good chance" of approval with the data on TU, but if your EX is radically different, it might not work out for you.

Discover it® - Double Cash Back your first year

Dec 14, 2013
Approved! In with Discover!
Helpful to 9 out of 10 people

Received an invitation to apply over Thanksgiving....after doing some research I thought I'd apply since they like to pull Equifax (My EQ report is cleaner than TransUnion, which CK is based of).

After putting in info about my employment, I was instantly approved. I didn't get the 0% promo offer (3.90%/6 months, 22.99% after) but I rarely carry balances so I didn't really care. I was able to register for an online account right then.

I didn't know my CL, so I called the customer service line and was directly connected to someone in Ohio - all in less than a minute! After giving him my info, he let me know my credit limit was $1,500. Not bad but expected as Discover is a bit on the conservative side.

The card came Priority Mail 2nd day delivery in a nice fancy package. The welcome kit also included my EQ FICO score which is 705.

I've been using it to get 5% back on online shopping this quarter...can't wait to use it during next quarter for 5% back on restuarants (I eat out a bit.)

Thanks Discover for giving me a chance!

NFL Extra Points Credit Card

Nov 27, 2012
Approved!
Helpful to 4 out of 4 people

Approved for $1000 with score of 579. Being careful with Barclays though...I've learned that they do watch new customers closely (by soft pulling your credit reports) for about 6 months...they can close your account if you get any new cards. This is the last I need for quite awhile, though!

First PREMIER® Bank MasterCard® Credit Card

May 07, 2012
Helpful to 4 out of 4 people

If I could give it zero stars, I would.

What a POS card...between the 36% interest rate, $95.00 processing fee, $75.00 annual fee, and $8 monthly fee, you're really better off putting that money on a secured card with Capital One or something. This card was even worse in 2006 when I had it; back then they charged all this crap up front and you ended up with $50 available credit by the time you got the thing (they had to clean up their act a bit after the new credit card regulations).

There are better choices out there. Don't put yourself through the hassle.

J.CREW Credit Card

Jun 10, 2013
Helpful to 4 out of 4 people

A follow up...got two $200 increases within three months of opening. CL is now $900. Woot!

Capital One® Secured MasterCard®

Apr 11, 2012
Helpful to 3 out of 3 people

Had the card a week...$301 limit thanks to extra deposit I made...everything seems to be working great.

Now hurry up and report so I can see my CK score increase a bit...lol.

EXPRESS Credit Card

Dec 26, 2012
Pre-approved with Soft credit pull.
Helpful to 3 out of 3 people

I was trying to buy something online from Express last week and one of those famous pre-approvals pop up. I knew there would be no hard inquiry so I accepted it right away. Application was instantly approved and was able to call into the automated system the next day to learn CL was $500. Soft pull was on done on Equifax, where my FICO score is in the 660's. I don't plan on using it much but am hoping that the CL will grow with me by the time I app for a Chase card next year. Definitely a PIF product since APR is around 25% like most store cards...if you can get it without a hard pull, it's an easy way to build or rebuild credit.

First PREMIER® Bank Classic Credit Card

May 07, 2012
Helpful to 3 out of 3 people

If I could give it zero stars, I would. What a POS card...between the 36% interest rate, $95.00 processing fee, $75.00 annual fee, and $8 monthly fee, you're really better off putting that money on a secured card with Capital One or something. This card was even worse in 2006 when I had it; back then they charged all this crap up front and you ended up with $50 available credit by the time you got the thing (they had to clean up their act a bit after the new credit card regulations).

There are better choices out there. Don't put yourself through the hassle. Run far, far away from this.

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