Tourniquet416 Posted June 12, 2005 Report Share Posted June 12, 2005 I got a Providian so-called pre-approval in the mail. Is it true that they approve on score only? I have multiple negs on my report. Who do they pull and what scores do they approve with? I'm in DC.Well, I applied and put in the invitation code they gave me...if I'm approved and they give me a real credit limit i'll be able to go to the US. Open in September. If not, I'll be watching it on tv.They said they'd call me or write me in 1 to 2 weeks. Link to comment Share on other sites More sharing options...
Xanathos Posted June 12, 2005 Report Share Posted June 12, 2005 Naw, they're not score only. They were one of the first ones I applied to after I had finished cleaning up my reports and I had gotten turned down for not having long enough credit history. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted June 12, 2005 Author Report Share Posted June 12, 2005 I have over 10 years of credit history, it's just not that good. Link to comment Share on other sites More sharing options...
Xanathos Posted June 12, 2005 Report Share Posted June 12, 2005 Well you might be alright then. The way I ended up doing it...when I settled with the credit bureaus, they wiped my entire report clean; good accurate information, bad inaccurate information, and anything else that they saw. It was like being 18 again. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted June 12, 2005 Author Report Share Posted June 12, 2005 It was like being 18 again.haha, wish they could bottle that feeling. I"m waiting out my baddies. They're all going to fall off by next summer. I've made no attempt to contact them and let them know how to get ahold of me and harass me. Link to comment Share on other sites More sharing options...
LekiaHall Posted June 22, 2005 Report Share Posted June 22, 2005 Don't have much advice for you, Tourniquet416. Just wanted to say "Hi" from DC also. Link to comment Share on other sites More sharing options...
wdspeedbump Posted June 23, 2005 Report Share Posted June 23, 2005 i received one of those "pre-approved" notices from providian. they turned me down after wasting an inquiry.the fdic shut them down from issuing sub-prime cards when they almost went under 2 years ago..i guess they didn't shut them down from fraudulent "come-ons" though.household and cross-country both gave me unsecured cards with a sub-600 score. Link to comment Share on other sites More sharing options...
jq26 Posted June 23, 2005 Report Share Posted June 23, 2005 I beg to differ on the sub-prime status. Four months post BK7, Providian gave me a 2K platinum card with no annual fee and 0% balance transfers. In the same week I was shotdown for a BP Gas Card and a secured loan from my bank- didn't even think that was possible. So far so good with their card, and they give me my TransUnion FICO monthly even with my fraud alert still active. I mostly use it monthly for booking airfare and then PIF at the end of the month. Link to comment Share on other sites More sharing options...
credithelp Posted June 23, 2005 Report Share Posted June 23, 2005 Providian still has some subprime accounts but its probably not as many as before. A friend got one not too long after a car repo. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted June 23, 2005 Author Report Share Posted June 23, 2005 Don't have much advice for you, Tourniquet416. Just wanted to say "Hi" from DC also. hi, Lekia!I don't think I got the card. I haven't heard anything. That has to be bad news. Link to comment Share on other sites More sharing options...
devil21 Posted June 24, 2005 Report Share Posted June 24, 2005 Ironic how Providian gave me a $1500 limit Platinum card with nearly 700 score. I have received $5000+ from BoA and Juniper at the same time. Providian is strange. I do regret getting their card now. Link to comment Share on other sites More sharing options...
LekiaHall Posted June 24, 2005 Report Share Posted June 24, 2005 Does anyone know if you can qualify for a Providian card if you filed BK on them? Link to comment Share on other sites More sharing options...
LekiaHall Posted June 24, 2005 Report Share Posted June 24, 2005 Don't have much advice for you, Tourniquet416. Just wanted to say "Hi" from DC also. hi, Lekia!I don't think I got the card. I haven't heard anything. That has to be bad news.Well, when I applied online they denied me right away. But I BK on them, so that may have had a hand in it. Link to comment Share on other sites More sharing options...
disney Posted June 24, 2005 Report Share Posted June 24, 2005 I also have the Providian card with a $2000 CL. I only have the card so that I can get my Fico score every month. Link to comment Share on other sites More sharing options...
nativechild48 Posted June 26, 2005 Report Share Posted June 26, 2005 Washington Mutual acquired Providian on 06/06/05, so the change should be completed sometime in the fall. I do not know what they are like business wise, but hope they do not have Emerge to collect their accounts. Link to comment Share on other sites More sharing options...
jasen Posted June 29, 2005 Report Share Posted June 29, 2005 Just got a Providian card and they only pulled my TU report. Link to comment Share on other sites More sharing options...
ceowens Posted July 1, 2005 Report Share Posted July 1, 2005 I needed a TU puller, so I applied for Providian. They pulled TU and gave me a $2000 CL. This was 6 months ago. Did you know that they won't let you request a CLI???? You can't call them up and ask for an increase. You have to wait for them. I've waited over 6 months now...no increase. SOCKDRAWER. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted July 9, 2005 Author Report Share Posted July 9, 2005 well, i did not get the providian card. i'm not going to apply for anything else until next year. Link to comment Share on other sites More sharing options...
flgirl Posted July 12, 2005 Report Share Posted July 12, 2005 They might not be the best, but hsn has a card with them, and I shop there alot. So I want one! Link to comment Share on other sites More sharing options...
Recommended Posts