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TrishaB

BB&T Spectrum Card??

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run of the mill 1% card that may get to 1.35% CB if you spend a ton.

 

basically useless.

 

what makes you think BB&T gives out hefty CLs?

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"what makes you think BB&T gives out hefty CLs?"

 

I don't think that Shifter, it was a question for CB'rs.

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I applied about six months ago and was declined. They didn't say why, but said I could write them to obtain the reason(s) for denial. They also pulled Equifax the first day and then twice the next day. This was reported on MyFico too, so it may be their standard procedure.

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I don't think that Shifter, it was a question for CB'rs.

ok.

 

well my experience with BB&T is they are very conservative.

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I have a checking account with BB&T and have been with them for over a year and a half and am really not that impressed. Their return and overdraft fees are so annoying. Don't think I'd ever want any of their cards.

Edited by popamode72

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In the land of necroposting, because this was about this card.  In my prequalification it shows:

"

BB&T Spectrum Cash Rewards Credit Card
0% APR on purchases and balance transfers for 12 months. 16.99% variable APR after 12 months2
3% Cash back on Gas1
2% Cash back on Utilities and Groceries1
1% Cash back on everything else1
10% Cash back if deposited in your BB&T checking or savings account1

 

Wait....re-read that.  "10% Cash Back if deposited in your BB&T checking or savings account" I'm like...I'm sure that's just poor wording and it's like 3.10% (Rough addition mind you), and not actual 10% cash back...right? <_<

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I've got the card but I don't remember the language in the footnote...I don't have a BBT account and wasn't going to get the checking or savings for the nominal funds.  As I recall, the 10% was a bonus percentage of the cash-back, NOT 10% of the purchase. 

 

My primary purpose in getting the card was a planned purchase that was just south of $10K and I wanted the 15 months of 0% that was being offered at the time. 

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