Approved after calling the 1-866-724-9223 number. Did the online form this AM.

weird though, op says mention CGE4, but webpage app says CGFX. anyone know what's up with that?

Approved after checking status over the phone. The rep told that the code CGFX (which attached to the web application) also has $150 Visa GC and will be mailed within May and June 2005.

WTF! 750 Fico and declined!

Peter740 said:Just got approved instantly with a 638 fico... not bad 20k limit... Nice!

When did you apply? online or phone?

Alcibiades said:didYOUsearch said:Seems this card has an EXTREMELY LOW APR FOR PURCHASES AND CASH ADVANCES!!! Especially for a rewards cardMBNA Merrill + is currently the same 7.65% (was 5.9% till November 2004) and has a better rewards program, but no offer of a $150 VISA GC.

My Merrill+ statement close as of April 15th still reads the 5.9% apr. I just got a huge increase on it so we'll see if that does anything to the rate, though I've never carried a balance...

Schwab visa is a great looking card, 150 gift is tempting as well. I think it's best I wait until monday to call.

Does anybody know how much does the credit score decreases with a new credit card pull.
I have a FICO 765 but might be buying a house in September and don't want my FICO to fall below 720.
This offer is very tempting.
Thanks

maharet77 said:Does anybody know how much does the credit score decreases with a new credit card pull.
I have a FICO 765 but might be buying a house in September and don't want my FICO to fall below 720.
This offer is very tempting.
Thanks

It all depends on your existing credit history, account age, etc. There is no one for all point hit. But count on a few points hit for the inquiry 3-6, and a few for the new account as it decreases your age. It's generally not advised to apply for new credit cards shortly (6 months) before buying a house unless you really need more credit.

My credit is outstanding and I have a 7 year history of on-time mortgage payments and I still didn't get instant approval. The message said they will notify me later.

Nice you don't have to have good scores to get it.. I have a 638 and was approved instantly online... Now to wait for the card and buy a can of soda with it and get a 150.00 visa giftcard..

Thanks OP.. Just applied for my wife and I, $300 if it comes plus Sony's card for my wife and I. Another $200. What a productive morning!! Since I bought a home 3 years ago, I don't have to care much about my Fico score for a while.