"Approved After Calling"
Old Navy Credit Card Review
Written by: hlos2010 on 2010-10-08
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
hlos2010's review: 
Did not receive an instant approval for this card, so I was for sure I was denied. I just received a letter to give them a call they had some additional questions. After answering about 5 security questions they approved me for $200. I will use it wisely along with the other two store and Visa and MC I just got. I will not apply for a while now...
Did not receive an instant approval for this card, so I was for sure I was denied. I just received a letter to give them a call they had some additional questions. After answering about 5 security questions they approved me for $200. I will use it wisely along with the other two store and Visa and MC I just got. I will not apply for a while now...
3 Comments
Comment 1 by kforbes86
Re: Approved After Calling 
on 2010-10-08
Congratulations on the new card!! Are you building or rebuilding your credit???? What is your credit like? I have been re-building for just over 2 years myself, and have risen my scores from 490-500 range to transunion 709 and equifax 718 today. So if your re-building, perseverence pays!!!
on 2010-10-08 Congratulations on the new card!! Are you building or rebuilding your credit???? What is your credit like? I have been re-building for just over 2 years myself, and have risen my scores from 490-500 range to transunion 709 and equifax 718 today. So if your re-building, perseverence pays!!!
Comment 2 by joeyman
Re: Approved After Calling on 2010-10-08
Congrats!
It seems $200 is the typical limit for this card. Looking back at other reviews shows some other's with $200 limits. What are your scores like?
on 2010-10-08 Congrats! It seems $200 is the typical limit for this card. Looking back at other reviews shows some other's with $200 limits. What are your scores like?
Comment 3 by hlos2010
Re: Approved After Calling on 2010-10-10
To answer both questions, yes I am in the rebuilding phase. I filed for bankruptcy cpt 7 back in 2002, and it will fall off my report in April 2012. I don't think that is affecting me as much as the baddies I wrongly got along the way. I was really bad from early 2007-mid 2008. On a few I was an authorized user, so have managed to change and remove a couple of them. I still have 30, 60 and 90 days lates showing on 4 accounts. I am hoping as time goes by it will sort of go away! I have a good record for the last two years, and recently have been getting approved for credit. I know some of these cannot take me very far, but it will certainly help in getting there.
When I started two years ago my Experian score was 515! Now TU-647, Exp 641 (found out via my CU), and EQ 606. I recently disputed another account that had two 30 day latest and it was removed so haven't checked my scores if that has helped.
I will not just use credit wisely, charge and PIF!
on 2010-10-10 To answer both questions, yes I am in the rebuilding phase. I filed for bankruptcy cpt 7 back in 2002, and it will fall off my report in April 2012. I don't think that is affecting me as much as the baddies I wrongly got along the way. I was really bad from early 2007-mid 2008. On a few I was an authorized user, so have managed to change and remove a couple of them. I still have 30, 60 and 90 days lates showing on 4 accounts. I am hoping as time goes by it will sort of go away! I have a good record for the last two years, and recently have been getting approved for credit. I know some of these cannot take me very far, but it will certainly help in getting there.When I started two years ago my Experian score was 515! Now TU-647, Exp 641 (found out via my CU), and EQ 606. I recently disputed another account that had two 30 day latest and it was removed so haven't checked my scores if that has helped.
I will not just use credit wisely, charge and PIF!
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Synchrony 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 Synchrony Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Synchrony 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 Synchrony Bank. Review content is powered by Finance Globe.
