03-20-2012 11:53 PM
03-21-2012 12:16 AM
Haha..this was a fun thread to read. Such an encouraging community. Congratulations OP!!!
03-21-2012 04:03 AM
Never ever, ever , ever take NO for an answer!!! If not yes next rep please!!! CONGRATS!! Be good to her!
03-21-2012 05:52 AM
Congrats on the card!! That's great!
12-27-2012 02:17 PM
My situation was almost alike. 3 calls. 2 calls the night before, 1 the next morning. Called to confirm that the documents have been shredded (last app does not exist?)the night before, call again the next morning, (no such app exist). So I chose another card to apply, submit it, approved, called in to confirm the amount, take it, and that's my last app for the garden mode.
TU (Wal08) 679 (before the drop in balance)
EXP/EQ about the same???
First time apping on EXP/EQ since GEMB is all TU, Disc TU....TU, TU, TU.....
02-07-2013 11:06 AM
oy hoy.............i did apply for chase freedom 3 weeks ago.last week i got a deniel letter from chase the reason was NOT ENOUGH LONG CREDIT HISTORY.
so far i have capital one secured $200 and discover more $750 limit.
so after reading this forum a lot it did inspire me and i called chase back door number which is 1 880 245 0625.a lady rep answer i explain that i have i do have to other card and i useto have good credit history in uk.than she put me on hold after 2 min.SHE DENIED ME TOO.
i call again after 2 days another lady picked up was nice in the phone but denied again.lol NO LUCK WITH LADYS
i decided to take one more last chance call again to day and a man picked up....at last.
i told even if it is a small limit i want to start with chase.than he took some of my information......which is very basic.put me on hold for 3.11 sec. and came back with APPROVE OF $500..
i have only 4 months credit history.so i now i think history dose not matter.
so all of you guys DO NOT GIVE UP.!!!!!!
02-07-2013 12:14 PM
02-09-2013 11:36 PM
hi great to know that..........so right know how many card do you have????? and you start gardening now thats cool
can you tell me one thing what card i should apply now............i mean likely easy to get with good credit limit??????
02-09-2013 11:42 PM
hi how are you........i need so advice i moved from uk last year so as you know as an new fresher i am still new in usa credit history. so far i manage to get capital one secured $200 discover more $750 and last week chase freedom $500 i dnt know my credit score yet.
so my question is what i sould apply now.........what card you think will give me good credit limit.
or if i apply for amex.........when and which card i should apply???
is it amex zync?????
and thanks in advance
02-10-2013 06:48 AM
Unfortunately the Amex Zync has been discontinued. That being the case, I think it might be best for you to stand pat and wait for these two new cards to age before you go app crazy. With basically no US credit history, it will be difficult for you to get many other cards. In fact, I'm surprised you were approved by both Chase and Discover and would consider that a win.
So probably your best bet is to let these cards age about a little longer, and then either hope for a CLI or apply for a new card then. I would say with the loss of the Amex Zync, you are probably unlikely to be approved for an Amex at this point.
Lastly, you may want to see about a product change from Discover More to Discover It. I am pretty sure it is better in every way, but somebody can corect me if I'm wrong.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.