theD43

can they charge u with a crime in al or ga

Wow,that happened to me too! I got that message, called and they said I had to just wait on the letter because there was nothing they could do. The letter never came. I've gotten two other Comenity cards since then but still nothing from Express. I don't know about Comenity, but when I got that message with Walmart, they just needed more info. I called and asked the problem and they asked for more info then approved me. A few days later I got the letter that went out after my online app and it was just asking me to call. So its not always a No, but I can't say for sure with Comenity. I actually called Comenity once and said, Hey, I've got 3-4 of your cards, is there anyway you can just app me over the phone for the others I want? lol Of course they said no, but that would have been so cool. Why not? They're all coming from the same place!

ok thanks

will they send a denial letter or email or something . its been a few weeks have heard anything or recieved any cards im up to 620 i thought they may approve me

yes thats right

anyone had this happen

my file split and score watch gave me the 1st score then i got a alert and it showed the 2nd score

i believe its split into 2 files 1 has a score of 511 1 has a score of 615 what are the pros and cons of not remergeing them. will they remerge themselves all help is appreciated ,thanks

why is this a big deal

yea secured cards are not guarenteed at some big banks and cu's they can still lose money on them

i t think 600 to 679 fico is 12.9% and 680 up is 9.9 they pull telechecks and eq report

heres the info ttt

heres the info ttt

Dear Mr. thed43 Thank you for contacting us. This email is in reference to your Associated Credit Union inquiry LTK5440134370380X. You would have to put $1,200.00 in the savings account. After one year, you would need to call us. We take updated information and let the loan officer look at your history and pull a new credit report. If everything is ok, they will release the hold and it will become an unsecured card. We do not have an annual fee and we do not charge extra for international charges. They do not like to issue cards under $500.00 but you can request it. They do have a maximum of $1,000.00. Whatever you start out with is what you will have for one year.When they review it to have the deposit released they can look at it for a higher limit. If you would like further assistance, simply reply to this email. We can also be reached by telephone at 770.448.8200, Monday through Friday, 8:00 a.m to 6:00 p.m. Please tell us the best contact phone number and e-mail to reach you by replying to this e-mail or calling Online Banking at 770.448.8200, Ext. 2402 Thank you Rhonda

By 120% do they mean you give them $1200 and they give you a card with a limit if $1000? Ask them if there is an annual fee, or any other fees. Ask them if it will be eligible to unsecure at some point in the future or if you would have to apply for a separate card to get an unsecured card with them. Ask them what the minimum is to open a secured card and if you can then add to that amount at a later date, say open for $200 now and add $2000 six months or a year from now. Ask them what the maximum credit limit (deposit) is. i certainly will asap