A little bit depressing but aT this point in my rebuild I have hit the proverbial wall. Also appears BC, BofA and CO have tightened up their appl process to deter churners like myself. I now understand that I really need to garden at the minimum of one-two years. This is hard for me to admit but the writing is on the wall, as I can no longer get approved by these banks. AX might be an option late next year with Chase and Citi (prestige) an option in two years. I spoke with UW from both banks along with US Bank and was told the same thing too many recent Inq and or new accounts and that in some cases I prev had the product and was not eligible. This was in regards to the Arr+, Venture, Aviator and AK Air Visa. Not sure how some of you with tons of inquiries / new accounts are getting approved but it no longer works for me.
I did close all of my CO cards. Got greedy and got another Venture ( no bonus) as I previous had the card. I am not quite eligible for AX until my BK hits 5 years which happens in November. I was declined for the Aviator and Arr+ as I previously had both cards. I am AU now on both cards that my wife has. I previous closed both of mine. I simply need to wait and garden for awhile as much as it pains me to do so. By the way income is around 120 k. ( hshld)
Nah..you haven't hit that wall yet. You're no where near that wall. Lol
Just give it time. The approvals will start to roll back in. You're in what I call that lull period at the moment. In 90 to 180 days, you'll be racking them and stacking them. lol
Just give it time. The approvals will start to roll back in. You're in what I call that lull period at the moment. In 90 to 180 days, you'll be racking them and stacking them. lol
I hope u r right.
I got it the first 2 or 3 x. This time they said no! Called EEO with same answer.
That's my plan but it will be longer than 3 months. I really do believe the market is changing and churners are an endangered species. The banks have finally caught on and were simply slow in reacting.