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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 @ 11:05p

just applid.. have to wait monday to know the result..
it will be my 4th credit card.. applid in this year.. hope it will go throught.


alert mods    
   posted: Apr. 29, 2005 @ 11:09p

ARG! Why deny us New Yorkers this deal?!


alert mods    
   posted: Apr. 29, 2005 @ 11:14p

didYOUsearch said:Seems this card has an EXTREMELY LOW APR FOR PURCHASES AND CASH ADVANCES!!! Especially for a rewards cardNew applications for MBNA Merrill + offer the same 7.65% (offered 5.9% till December 2004) and it has a better rewards program, but no $150 VISA GC just for acceptance.


alert mods    
   posted: Apr. 29, 2005 @ 11:37p

Has anyone confirmed that the monthly $2.50 fee is for the gift card and not the visa card? Wording does not specify but placement of sentences seems to indicate that the charges are for the gift card. Anyone called to ask?


alert mods    
   posted: Apr. 29, 2005 @ 11:50p

was thinking I will not apply, but bit it in the end. 150 bucks is too much to pass up. No instant decision; so might have to call in on Monday. Thanks OP!!


alert mods    
   posted: Apr. 29, 2005 @ 11:59p

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

approved. Many hits on their site screwed their online credit check


alert mods    
   posted: Apr. 30, 2005 @ 12:01a

anon94305 said:Has anyone confirmed that the monthly $2.50 fee is for the gift card and not the visa card? Wording does not specify but placement of sentences seems to indicate that the charges are for the gift card. Anyone called to ask?

Its for GC. I have never heard a monthly fee for a CC.


alert mods    
   posted: Apr. 30, 2005 @ 12:09a

The number to call for verification: 1-888-279-7538


alert mods    
   posted: Apr. 30, 2005 @ 2:02a

mnsweeps said:anon94305 said:Has anyone confirmed that the monthly $2.50 fee is for the gift card and not the visa card? Wording does not specify but placement of sentences seems to indicate that the charges are for the gift card. Anyone called to ask?

Its for GC. I have never heard a monthly fee for a CC.

Applied online this afternoon 5:50pm, and didn't get instant approval. Then I called in and was approved. During the call, it is confirmed that no fee for the credit card and the 2.5$/month fee is for the GC.


alert mods    
   posted: Apr. 30, 2005 @ 2:15a

Is the call really necessary? I mean, you will find out by mail within 30 days correct?


alert mods    
   posted: Apr. 30, 2005 @ 3:07a

Do you need to be a citizen of permanent resident in order to qualify fot this offer? Thans in advance for any offer


alert mods    
   posted: Apr. 30, 2005 @ 7:08a

make sure you have good enough credit to apply, dont waste an inqury on ur report on this.

the bank is MBNA, check what credit report agency they pull in your city/region.

I might have applied since $150 GC is a big incentive.. but I recently applied to two cards already.

there's plenty of inquries already.. and combined with 1 approved (1 still in limbo) I have enough open revolving credit line as is.. at least, for someone my age (22, 5-7 accounts)

the low APR rate for a rewards card, should be a dead give away that this is intended for those with excellent credit, or fits in their application profile.. certain range of income, and history will help.

I'm going to assume at least 750+ FICO scores with other positive factors.


alert mods    
   posted: Apr. 30, 2005 @ 8:38a

Why would one need a large credit line for this? $2K is more than sufficient.


alert mods    
   posted: Apr. 30, 2005 @ 8:59a

how many cards does MBNA allow? already have 2


alert mods    
   posted: Apr. 30, 2005 @ 9:16a

MazdaMP said:how many cards does MBNA allow? already have 2

I have five and my wife has three. It may be best to transfer credit limit from existing accounts, IMO.


alert mods    
   posted: Apr. 30, 2005 @ 9:41a

This is so tempting.......


alert mods    
   posted: Apr. 30, 2005 @ 10:07a

I applied over the phone, no decision for me either.

Does anyone know if you can use Yodlee to grab the balances?


alert mods    
   posted: Apr. 30, 2005 @ 10:14a

MitzEclipse said:I applied over the phone, no decision for me either.

Does anyone know if you can use Yodlee to grab the balances?
The same thing to me. The rep said I need to wait for 30 days. If it is approved, I will receive a welcome package with the card.


alert mods    
   posted: Apr. 30, 2005 @ 10:45a

not to get off the topic, but does MBNA gold options LOC pull TU mostly? Thinking of getting that and transferring the CL to my new 2K fidelity (wouldn't offer me more because I have a 30K CL on Worldpoints)


alert mods    
   posted: Apr. 30, 2005 @ 11:14a

applied online, got the "wait 30 days" answer.

Tried calling, but they are closed until Monday. Guess we'll see, but I really hope I get in on this $150.

THanks OP!!!


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