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Membership was SP for me. App'd for card, they used SAME SP to make decision, and DECLINED. Too many new accounts, Too many INQs. Blah Blah Blah. Imma leave my fiddy dollars in the account and try again in a year or so.
I went ahead and app'd and DENIED. Post 4 years of BK7, scores about 700 on all 3, Income $100K per year, Util about 30%.
I just hope it is a SP and not a HP.
Can anyone comment on if they SP after that whatever days after membership is. I was approved and SP for membership and CC in Sept. I now would like a PLOC but unsure if it would be HP or SP.
@Anonymous wrote:Can anyone comment on if they SP after that whatever days after membership is. I was approved and SP for membership and CC in Sept. I now would like a PLOC but unsure if it would be HP or SP.
I was SP'd for membership and CC denial in November.
Last week, i was denied for CC with a HP. "too many open revolving accounts and/or borrowing capacity".
yeah they no longer hand out CC easily as they declined me for having to many revolving accts
@Anonymous wrote:yeah they no longer hand out CC easily as they declined me for having to many revolving accts
I just reconned my denial via secure messaging on the NASA site. May as well tried since they HP'd me.
On the denial letter, they showed a score of EX 678...my fico EX 08 was 711 and Bankcard 08 was 723 on the date they pulled....The 678 they used was the mortgage 02 model. I mean really, the mortgage model?
I told them the reason for recon is I feel the denial was computer generated because of the low score of 678 that was used, whereas my other EX scores are 40-50 pts higher.
Some big fancy words, alotta butt kissin', etc, etc....we'll see what happens. 1st time ever recon, anywhere.
@racer-x wrote:
@Anonymous wrote:yeah they no longer hand out CC easily as they declined me for having to many revolving accts
I just reconned my denial via secure messaging on the NASA site. May as well tried since they HP'd me.
On the denial letter, they showed a score of EX 678...my fico EX 08 was 711 and Bankcard 08 was 723 on the date they pulled....The 678 they used was the mortgage 02 model. I mean really, the mortgage model?
I told them the reason for recon is I feel the denial was computer generated because of the low score of 678 that was used, whereas my other EX scores are 40-50 pts higher.
Some big fancy words, alotta butt kissin', etc, etc....we'll see what happens. 1st time ever recon, anywhere.
Good luck hope you get some resolution with recon.