Applied today for a cosmetic procedure I'm planning on getting. Asked for $6600, approved for $6600. CK score: 653, Equifax fico: 674. 100% on time, 1 inquiry, 1 derogatory (old medical bill of $105), 32% credit ut. Hope this helps!
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Getting the card is 1/3rd of the battle.
They have a no interest promotion on the transactions you make but to see which one you get, you have to make the transaction first and read the receipt to get the promotion details. To participate, you have to pay off the amount within the 3, 6, 12 month period on the day you make the transaction.
For example, a recent transaction of mine was for $800 on the February 12 and my statement was due on March 7. In order to make sure I don't get charged interest, I need to pay the full amount before August 12, not September 8. And just to be safe, I will make sure they get the payment two weeks before August 12.
What I don't like is what seems to be the automatic enrollment into Card Security (more info at https://www.mycardsecurity.com) the "insurance" product for the card. You'll discover an "extra charge" from them on your first statement with a number to call. If I want this junk, I'll enroll into it myself, no need to push this on me.
To disenroll and get a refund, call the number on your statement and follow the voice prompts to disenroll. Charges will be reversed. Verify with a human that you have disenrolled from the program and that the charges have been reversed.
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