I have not used this card at all yet!! But I wanted to post to possibly help those trying to decide if they should apply. CK said I had very good approval odds. Here are my stats: CK TU score 721, EQ score 720. FICO score 702. Income @$47,000. I have 3 credit cards with the following balances and CLs: $7,050 on CL $10,000, $850 on CL $1,900, and $490 on CL $1,300. I also have an auto loan with a balance of $22,480 at 4.7% interest. Credit history is @11 years and I have 100% on time payment history and no derogatory remarks or collections. In the last 12 months (other than getting the car loan) I have paid down over $6000 in debt (I was in a very bad relationship that I finally got out of but unfortunately...still paying the financial consequences)! I applied straight through the CK app and was approved in literally 30 sec with a $4,000 limit. I plan to use it to transfer a chunk of my BOA American Express balance (the one at $7,050) so I can pay down with no interest. I read a lot of reviews on cards and always wished there was more info on people’s individual stats at the time of applying so I could gauge my chances of approval and possible credit limit. So I hope this helps people to use as a comparison when deciding on whether or not to apply! I’ll review again after I’ve used it more!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* for 18 Months
- Balance Transfer Regular APR 15.74% - 25.74%* Variable
- Annual Fee $0*
- Purchase Intro APR Not Applicable
- Purchase Regular APR 15.74% - 25.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I have a credit score of 816 and got a instant approval for $9400. I got this card to use for my business and have had it less then a month but they have stopped it multiple times for fraud...there is no fraud I'm just using it...stopped it 3 times just in the last 24 hours. The customer service is rude on the phone and I never know if its going to work because they keep putting fraud holds on it. I've had the card for 3 weeks and have spent and paid $15,000 and have a zero balance. They are still rude on the phone...and here we go again... 4th fraud email just came thru...this is now 4 in the last 24 hours. Now time for another 30 min phone call to get it taken care of... I regret the credit inquiry and I regret getting this card... I think I'll just go back to using my discover. The main purpose of this review...which I never write reviews... is the HORRIBLE customer service.
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Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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