what credit reporting agency do menards use to approve a cr

Menards Big Card

Overall card rating

one.1

from Credit Karma members

Member ratings

All member reviews (11)

5 stars

0

4 stars

0

3 stars

0

2 stars

ane

one stars

10

Garbage. 1 rating/tin't give information technology a zero

Credit Karma Member

Just… garbage. Peachy credit score. I asked for a better interest charge per unit on unpaid balances. Was DENIED and told that "Capital One sets the charge per unit." No prob here. Other cards; other stores. Thanks Menards. Thanks Capital One.

Garbage

Credit Karma Fellow member

Tin can take payments weeks to mail service to credit account after they've posted from your bank business relationship, client service tin can't or won't do anything to assistance. It is a Capitol One bill of fare but it uses a completely different online login that is basically useless and I was told information technology'due south a completely seperate processing system from Capital Ane's other cards. Very shady and ultimately virtually uselss.

This carte du jour is a joke

Credit Karma Member

I applied for the carte du jour to redo our kitchen cabinets and countertops. I planned on financing almost $4500 and paying the rest in greenbacks. The line of credit they granted was only $2500 on a nearly half dozen figure income and perfect credit. I request a credit line increment and was denied. Needless to say I'll spend thousands elsewhere.

Few benefits no CLI

Credit Karma Member

Easy bill of fare to become but Capital letter 1 pulls your credit every 6 months wether yous want to or not and bases CLI decisions 100% on credit study and not on your payment history. Customer service is garbage and has an oh well attitude like all Crapital One cards.

Take expert credit only was cancelled

Credit Karma Member

Past present or awaiting legal action?

Unable to verify my identity

Credit Karma Member

They were unable to verify my identity subsequently request me questions about my ex'south family unit, which I've not been involved with for over 12 years!! Really?? How the heck am I supposed to know where all of his family lives these days? I accept 2 other Capital I credit cards too. I gauge I'll be purchasing flooring for the whole firm somewhere else now.

Declined - Unable to verify identity.

Credit Karma Member

Every bit the title states. Unable to verify my identity. This is after asking me half a dozen questions about vehicles, family unit members, addresses, etc. I have three other Capital One issued cards, no issues with any of them knowing who I am. This is the only menu I've ever had this event with.

Outrageous Apr and many hidden dangers

Credit Karma Member

I signed up for this carte du jour subsequently becoming inundated by flashy adverts promoting it. When inquiring about it at checkout I was whisked abroad to the sign-upward kiosk where I apace got approved with a $2500 limit. The base APR is 25%, and the buzzy "6 months no involvement" claim apparently but holds water if you pay off the unabridged amount past then or else you lot volition be charged 25% accumulated interest from the very first month onward. The awards and benefits of using such a carte are also subpar. $2 back for every $100 y'all spent, in the form of an in-shop souvenir certificate every quarter or so. Almost in-store cards I have offer v% immediate discounts. For joining I also got a free "you could win up to $500 past scanning this newspaper" but of course information technology was instead the everyman honor amount of $ii--I doubtable the odds of winning anything higher are very low. The website to manage transactions and pay bills is complicated. I find it peculiarly confusing when paying early as information technology doesn't brand information technology clear what office of the balance has already been paid and what is however owed. Y'all cannot drill into any detail charge to any extent more than you lot tin a generic credit card, to review specific purchases for instance. As soon as I effigy out how much I yet owe them I program to pay off the bill of fare and will avoid using it in the future. (Several months after joining, I notwithstanding haven't received the promised $ten souvenir certificate [only valid on $100+ purchases], unless it got lost in the mail service.)

But Signed Upwards Two Days Ago

Credit Karma Member

Seeing the lackluster reviews for the Large Card is a business organisation.

Credit Karma Member

I have had this menu paifd for in full and have proof of this. telephone call them & all they say is sold bill to another. Called another & agreed information technology is paid for in full & menards bill of fare is not correcting this matter nor! do they fifty-fifty care! I got such a run around from them & due west/o explaining a thing. Never again! Expect at the date too 1998! They demand to update their organization. This may cost me a loan to purchase a dwelling house for us!

Run across Approval Odds before y'all utilize

Nosotros'll estimate your chances of approval based on your credit profile. Join today — it's free! You'll also get:

Sign upwardly

• Credit scores and reports

• Credit monitoring

• Personalized recommendations

robinsonving1958.blogspot.com

Source: https://www.creditkarma.com/reviews/credit-card/single/id/menards-credit-card