"Approved Second Time Around!!"
Buckle Credit Card Review
Written by: kforbes86 on 2009-04-03
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
kforbes86's review: 
I had applied for this card a few months ago, with a score around 500. My scores are up to around 520 now, I re-applied, and was approved. It is only $300 limit, but I am happy to have it as another open account as I re-build my bad credit. When I applied the first time, I was denied right away, this time, I applied, and it said we will notify you in 7 to 10 days. Less than one week later, my card and account terms showed up. 22% interest is high, but again, I am happy to have it for re-building at this point. There is a grace period of no interest on purchases too. I was told when I called to activate the card, that limit increases come with using it and paying substantially more than minimum payment each month, on time. I still have not figured out the online access and payments, with all of my other cards, it was easy. If your scores are lower to mid 500's I would recommend this as a re-build tool.
I now have 2 first premier cards, wells fargo secured, Citi secured, and this, all opened in the last 7 months. I think it is time now to stop opening accounts, and let these age to build my score back up again.
I had applied for this card a few months ago, with a score around 500. My scores are up to around 520 now, I re-applied, and was approved. It is only $300 limit, but I am happy to have it as another open account as I re-build my bad credit. When I applied the first time, I was denied right away, this time, I applied, and it said we will notify you in 7 to 10 days. Less than one week later, my card and account terms showed up. 22% interest is high, but again, I am happy to have it for re-building at this point. There is a grace period of no interest on purchases too. I was told when I called to activate the card, that limit increases come with using it and paying substantially more than minimum payment each month, on time. I still have not figured out the online access and payments, with all of my other cards, it was easy. If your scores are lower to mid 500's I would recommend this as a re-build tool. I now have 2 first premier cards, wells fargo secured, Citi secured, and this, all opened in the last 7 months. I think it is time now to stop opening accounts, and let these age to build my score back up again.
5 Comments
Comment 1 by brian23
Congrats.... 
on 2009-04-03
This seems to be a popular card around here, but I had never even heard of the store until I checked online and the closest to me is about 700 miles away... But congrats on the account...
on 2009-04-03 This seems to be a popular card around here, but I had never even heard of the store until I checked online and the closest to me is about 700 miles away... But congrats on the account...
Comment 2 by ding
Buckle on 2009-04-04
Hi, could you tell us what credit bureau they pulled?
Thank you.
on 2009-04-04 Hi, could you tell us what credit bureau they pulled?Thank you.
Comment 3 by kforbes86
What Bereau?? on 2009-04-04
I believe they pulled my experian report, not 100% sure though. I do know my experian FICO is around 520 right now though.
on 2009-04-04 I believe they pulled my experian report, not 100% sure though. I do know my experian FICO is around 520 right now though.
Comment 4 by meya
Congrats on 2009-04-05
Hey, $300 beats a lot of other limits that are out there... Lol. I just noticed something, I think you just added this card as a review, go ahead and add it to the "All Application Statuses" over to your left----->. Or, you can just follow this link, and then add yours. Then you can provide info from who pulled from a certain CB, APR, limit, status... Blah, blah blah!
http://www.Financeglobe.com/Finance/credit-card-status. Shtml
Keep us posted with your overall usage of the card!
on 2009-04-05 Hey, $300 beats a lot of other limits that are out there... Lol. I just noticed something, I think you just added this card as a review, go ahead and add it to the "All Application Statuses" over to your left----->. Or, you can just follow this link, and then add yours. Then you can provide info from who pulled from a certain CB, APR, limit, status... Blah, blah blah!http://www.Financeglobe.com/Finance/credit-card-status. Shtml
Keep us posted with your overall usage of the card!
Comment 5 by lkazzie
Applied Today on 2009-06-06
I like this store alot, and thanks to your reviews I went in and decided to apply for their card. We tried the student card and it said it will notify me in the mail so the manager talked me into applying for the regular card and so I did and got the same message. We'll see what happens because I do need another card to help me rebuild!
on 2009-06-06 I like this store alot, and thanks to your reviews I went in and decided to apply for their card. We tried the student card and it said it will notify me in the mail so the manager talked me into applying for the regular card and so I did and got the same message. We'll see what happens because I do need another card to help me rebuild!
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Disclaimer: This content is not provided by Comenity Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Comenity Bank. Review content is powered by Finance Globe.
