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Apply For Schwab Visa - $150 VISA Gift Card Archived From: Finance

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alert mods    
   posted: Apr. 29, 2005 @ 6:22p

Anyone know what their fee is for international transactions?

Thanks,
Allen


alert mods    
   posted: Apr. 29, 2005 @ 6:23p

Visa Gift card offer is not available to New York residents. I'm glad there is a good excuse for me not to jump onto this.


alert mods    
   posted: Apr. 29, 2005 @ 6:25p

This offer is not for NY resident.


alert mods    
   posted: Apr. 29, 2005 @ 6:26p

I was a little concerned about applying as I have a couple large balances at 0% (deposted at ING) weighing down my credit score. Approved by phone for a decent 20K line. Not the largest I have but I don't intend to use it other than a couple purchases to get the gift card anyway.


alert mods    
   posted: Apr. 29, 2005 @ 6:30p

Ugh...figures I live in NY!!!!!!

Hmm...can I use my parent's addy in another state? Any more experienced credit gurus know the answer on that one?

Thanks.


alert mods    
   posted: Apr. 29, 2005 @ 7:11p

Those who applied, which bureaus report did they pull?


alert mods    
   posted: Apr. 29, 2005 @ 7:29p

rvd1083 said:Those who applied, which bureaus report did they pull?

experian credit bureau


alert mods    
   posted: Apr. 29, 2005 @ 8:32p

those who didnt get instant approval, did you call and get approved or was it denied?


alert mods    
   posted: Apr. 29, 2005 @ 8:34p

Storme, I didn't get instant approval but called up and got approval on the phone.


alert mods    
   posted: Apr. 29, 2005 @ 8:37p

I also called and got approved.


alert mods    
   posted: Apr. 29, 2005 @ 8:39p

Hold time is rediculous. Going on 45+ minutes!


alert mods    
   posted: Apr. 29, 2005 @ 8:43p

mbna is known to be very generous in credit limit.
I got approved when called in.


alert mods    
   posted: Apr. 29, 2005 @ 8:51p

mnsweeps said:I just read this card also has the AMEX BVG program !! Thats cool !

Price Protection program from Visa®: If you find an item advertised at a price lower than what you paid within 60 days of the purchase, Visa will give you a refund of up to $500 per item. (Now you can shop without worrying about future sale prices.)Does this exclude internet pricing?

EDIT
Price match only for print ads. No surprise there. No instant approval for me, either, and I've got great credit. MBNA doesn't currently charge a foreign currency transaction fee, but I've heard that they will soon start doing so. The CSR was less than clueful about that, though.


alert mods    
   posted: Apr. 29, 2005 @ 8:57p

Which # to call to check the status?
Thanks


alert mods    
   posted: Apr. 29, 2005 @ 9:14p

- WorldPoints sucks - 0.8% return unless you charge $25,000, which comes to 1%
Edit The application page says "Cash reward check values and required Points: $25/2,500; $50/5,000; $100/10,000; $150/15,000; $250/25,000 and $500/50,000." - different from the standard WorldPoints program - sure, nothing great anyway
- MBNA also sucks for FWs - their police squadron watches you! Hope they lay off some after MBNA reported bad results - the only one in finance?
- $150 are worth to apply for one more hollow card.

No annual fee for the card or our WorldPoints® Rewards program—a potential savings of as much as $60. (Think of it as a dinner on the house.) Wow! Some here have several months of free dinners but did not know about that

Who pulled the credit check? MBNA?


alert mods    
   posted: Apr. 29, 2005 @ 9:16p

Thank you for submitting an application for a Charles Schwab Bank Visa® credit card.
Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.
If you are a Charles Schwab & Co. customer with access to schwab.com, you can log in and check the status of your credit card application through the Banking/Credit Card section. If you do not have access to schwab.com, you can check the status of your credit card application by calling 1-888-279-7538. Please give us 15 minutes to review your application before checking the status.

Just called in and they closed @9pm

Gotta wait till Monday I guess


Anyone have a number to check the status now?


alert mods    
   posted: Apr. 29, 2005 @ 9:17p

Just applied... no instant decision? With my credit? Hopefully I get it!


alert mods    
   posted: Apr. 29, 2005 @ 9:45p

For those of you asking which bureau they pulled, it doesn't really mean anything. The CC issuer will pull different reports in different regions and for different customers.

MBNA does have virtual numbers, and probably the second best (next to citi) online system.

Also, I'd recommend applying during business hours for a better likelihood of getting approved instantly (although that means waiting until monday).

Oh, and another vote that worldpoints sucks.


alert mods    
   posted: Apr. 29, 2005 @ 10:02p

If you want instant decisions, its MUCH BETTER TO CALL IN than do internet app.

MBNA will usually immediately transfer you to an "account analyst" who will ask you some income/debt questions and determine your credit limit while on the phone.


alert mods    
   posted: Apr. 29, 2005 @ 10:07p

Guiltyspark said:
Apply before May 15, 2005. Call 1-866-724-9223 and mention priority code CGE4, or apply online2 for an instant decision. To learn more about the Schwab Bank credit card, click here. this different priority code # is listed on the "online" page:

If you'd rather apply by phone, just call 1-866-724-9223. TTY users, call
1-800-833-6262. (Please mention priority code CGFX.)


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