Private Pyle 10 Posted October 25, 2008 Report Share Posted October 25, 2008 I am just now starting to get into some good credit lines. I switched in April to local credit union here in Flordia. I have been working with my account rep to improve my credit and got a "credit improvement loan" (neat product) and a secured card. I got a car loan from them when my FICO hit 630 in July. When I saw my FICO hit 685 last week I went in and spoke to my rep. She called the credit department with me in her office and after some easy back and forth, the credit department approved me to an unsecured card with a $3000 CL. Anyone who lives in Jacksonville Florida and wants to work with a really customer ("member" in CU world) focused Credit Union should really look into Community First Credit Union. Link to post Share on other sites
Private Pyle 10 Posted October 26, 2008 Report Share Posted October 26, 2008 This morning I woke up with a credit alert from Experian. Even though I applied for the Cabelas card just a few days ago and have not even received it yet, they reported a $7000 credit line to Experiam (I assume EQ and TU as well) with a zero balance and current for October. I went and pulled a FICO and my score went up 58 points!! I had a 592 with Experian and now it is 650. Link to post Share on other sites
Krash 296 Posted October 26, 2008 Report Share Posted October 26, 2008 This morning I woke up with a credit alert from Experian. Even though I applied for the Cabelas card just a few days ago and have not even received it yet, they reported a $7000 credit line to Experiam (I assume EQ and TU as well) with a zero balance and current for October. I went and pulled a FICO and my score went up 58 points!! I had a 592 with Experian and now it is 650.That is what we like to see here on the CIC boards!!!!!! Keep em comming!! Link to post Share on other sites
CleverCynic 1,029 Posted October 30, 2008 Report Share Posted October 30, 2008 Any idea what the interest rate is on these things? There was nothing with my card on it and no way to tell online!? Link to post Share on other sites
borgman72000 106 Posted October 30, 2008 Report Share Posted October 30, 2008 WFB Issued CardsAnnual Percentage Rate (APR) for Purchases Cabela's Purchases: 9.99% Other Purchases: 14.49%Wamu Issued CardsAnnual Percentage Rate (APR) for purchases For Purchases from Cabela's, 9.99%; for other purchases ("Other Purchases"), 16.99% to 23.99%*(default APR)Scroll down to "Terms and Conditions" https://www.cabelas.com/cabelas/en/templates/community/aboutus/visa/visa-application.jsp;jsessionid=MTD0FKPYZOAOJLAQBBKCCN3MCAEFKIWE?null&_requestid=17581 Link to post Share on other sites
CleverCynic 1,029 Posted October 30, 2008 Report Share Posted October 30, 2008 Alright, that explains that, thanks!Guess it's 14.99 for me. Link to post Share on other sites
eyeball 10 Posted October 30, 2008 Report Share Posted October 30, 2008 I got rejected by WAMU because the reason given was BK in credit report Link to post Share on other sites
tommy32 107 Posted November 1, 2008 Report Share Posted November 1, 2008 Still waiting for wamu to send me either the card or a reject letter it has been over a week.....I am getting junk emails from Cabellas...probably just spam BC I sighned up for the card...Will keep you guys updated:) Link to post Share on other sites
eyeball 10 Posted November 5, 2008 Report Share Posted November 5, 2008 Got a letter last wek from Wamu rejecting me because of a BK.BUT GOT A LETTER TODAY ASKING ME TO CALL SAYING "they are very close to completing my review to give them a call.Can anyone figure this out?Thanks Link to post Share on other sites
tommy32 107 Posted November 5, 2008 Report Share Posted November 5, 2008 i still haven't heard anything from wamu.....still waiting Link to post Share on other sites
eyeball 10 Posted November 5, 2008 Report Share Posted November 5, 2008 They just approved me I called, they asked m som questions and that was itAmzin Link to post Share on other sites
cap1kid 111 Posted November 5, 2008 Report Share Posted November 5, 2008 Just applied- got the 7-10 responseFakosTU623EQ620EX593what do you think my chances are? Link to post Share on other sites
eyeball 10 Posted November 6, 2008 Report Share Posted November 6, 2008 MY Faco's were much lower than yours with a BKFor sure you get approved Link to post Share on other sites
cap1kid 111 Posted November 6, 2008 Report Share Posted November 6, 2008 Applied 10/05/08- The inquiry from WFB showed up on TU 10/06/08- if they send it to WAMU/CHASE how soon would I expect a second inquiry? Link to post Share on other sites
cap1kid 111 Posted November 6, 2008 Report Share Posted November 6, 2008 Just called WFB said it was denied- I asked if it was forwrded to WAMU she said no. ????? Link to post Share on other sites
lp1967 15 Posted November 6, 2008 Report Share Posted November 6, 2008 that stinks Link to post Share on other sites
isislc 1,220 Posted November 7, 2008 Author Report Share Posted November 7, 2008 Applied 10/05/08- The inquiry from WFB showed up on TU 10/06/08- if they send it to WAMU/CHASE how soon would I expect a second inquiry?It should show up right away if they send it to WAMU. Keep your fingers crossed that Chase still isn't making the decisions on who gets their card now. Link to post Share on other sites
Chester P. Dexter 177 Posted November 7, 2008 Report Share Posted November 7, 2008 WaMu turned me down for the reason that I already had enough WaMu credit (I have two WaMu cards.) The letter said it was not a negative credit decision or something like that. I think maybe they didn't pull a report - I don't know, though. Link to post Share on other sites
tommy32 107 Posted November 9, 2008 Report Share Posted November 9, 2008 Denied by wamu...said I didnt make enough money and also because of my delinquint balances....oh well I will try again when my Crs are better .... Link to post Share on other sites
MaxFoncito 22 Posted November 10, 2008 Report Share Posted November 10, 2008 Denied today. My scores are in the mid 600's. Link to post Share on other sites
cap1kid 111 Posted November 14, 2008 Report Share Posted November 14, 2008 Got my denial letter today- high balance and delinquencies- I call to see if they'd reconsider- they said NO because of a CRAP1 chargeoff- I asked if they would send it to WAMU- she said they don't do that anymore- since Chase bought out WAMU- Link to post Share on other sites
isislc 1,220 Posted November 15, 2008 Author Report Share Posted November 15, 2008 Got my denial letter today- high balance and delinquencies- I call to see if they'd reconsider- they said NO because of a CRAP1 chargeoff- I asked if they would send it to WAMU- she said they don't do that anymore- since Chase bought out WAMU-Damn! I guess it finally caught up to the application process. Link to post Share on other sites
red1gtrubodsm 279 Posted November 15, 2008 Report Share Posted November 15, 2008 Atleast some of us got in before they closed the door Link to post Share on other sites
eyeball 10 Posted November 16, 2008 Report Share Posted November 16, 2008 I am getting a card but it is from Cabelas?It says its a VIsa Cabelas Club by WAMUWhat does that mean? I thought ether you got one from Cabela's OR WAMUI got a notice from WAmu that they declined me?This card has the Cabelas picture on front Link to post Share on other sites
cap1kid 111 Posted November 16, 2008 Report Share Posted November 16, 2008 I think you git a WAMU card- before they quit sending the declines to WAMU- what day did you apply? Link to post Share on other sites
