This limited-time offer for a $100 statement credit applies to any new Charles Schwab Bank Visa® credit card account opened as a result of this offer. To qualify for this offer, you must apply for the Charles Schwab Bank Visa credit card, and your new account must be used to make any purchase or cash advance transaction (including balance transfers, which may include a transaction fee) that posts within 45 days of the account opening date. Limit one (1) statement credit per person and per account. The Schwab Bank credit card offer is subject to application approval by MBNA America Bank, N.A. If you have had an open Schwab Bank credit card account or applied for a Schwab Bank credit card account within the past 180 days, you are not eligible for this offer. After qualifying, a $100 promotional credit will appear on your Schwab Bank credit card statement in 8-12 weeks.
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Check status: 1-800-932-2775 Option 4
If you are informed that your application requires further review or something to that degree, then call 888.279.7538 during REGULAR BUSINESS HOURS to speak with a credit analyst who will be able to give you an immediate decision. When I called for a previous promotion it took a matter of about 15 seconds for the analyst to tell me I was approved and what my credit limit was, so it is definitely worth it to call them.
¡́¡́To qualify for this offer, you must apply for the Charles Schwab Bank Visa credit card by June 30, 2006 (and make a purchase by Aug 15th 2006)
If you have had an open Schwab Bank credit card account or applied for a Schwab Bank credit card account within the past 180 days, you are not eligible for this offer.
mbna is pretty easy you can get by with a perfectly clean bill of health, established credit, and decent job (they like to call you at work) with an average credit score of 680.
i'd try to bump it into the 700's but they consider many more factors.
as long as you haven't been naughty, that will likely then be a complete waste of time.
You guys need to read up on some of the other Schwab promo threads.
- if you don't get instant approval, you'll probably still get the card anyway unless your credit sucks.
- the 180 day disclaimer has been in every app, but folks (including myself) have still received the promos (GC's, iPod shuffle) from every card offer even though they were less than 6 months apart.
ok, i know this question has been asked a KAZILLION times, but I am going to ask it one last time to make sure I dont ruin my credit...
if I already have 11 revolving accounts, should I still apply for this card and add another to my list?? or should I stop?? Note: Everything else on my credit history is A+.
vinhboy said:ok, i know this question has been asked a KAZILLION times, but I am going to ask it one last time to make sure I dont ruin my credit...
if I already have 11 revolving accounts, should I still apply for this card and add another to my list?? or should I stop?? Note: Everything else on my credit history is A+.
to many inquiries can ding your score, not by much.
as far as i know, having too many accounts will not hurt your score, but some lenders might decide you already have plenty of available credit.
vinhboy said:but I am going to ask it one last time to make sure I dont ruin my credit ...Umm, you could NEVER ruin your credit just by having a lot of unused credit cards. And you only temporarily lose 4-5 points for each new credit card application.
I apply for several credit cards (5 r 6 a year) just to get the initial sign-up goody, then I cancel as soon as I have met the period required to get the goody. Will this hurt my credit significantly?
My credit is currently A+ but I do plan to buy a larger house in the next couple years and would like to have good credit at that time to get a good interest rate.
dvrice said:I apply for several credit cards (5 r 6 a year) just to get the initial sign-up goody, then I cancel as soon as I have met the period required to get the goody. Will this hurt my credit significantly?
My credit is currently A+ but I do plan to buy a larger house in the next couple years and would like to have good credit at that time to get a good interest rate.I have leart that most lender is willing to give you loan as long as your credit score is over 730, not even 750.
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Thanks. OP
