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Almost there...

Valued Contributor

Almost there...

I apped for BCE denied (sp) reason… your fico score is too low. Well that kinda felt like a good denial letter

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 1 of 22
21 REPLIES
Super Contributor

Re: Almost there...

What was your score

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 22
Valued Contributor

Re: Almost there...

641

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 3 of 22
Super Contributor

Re: Almost there...

A little more time and im sure you'll be there...good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 22
Established Contributor

Re: Almost there...

I think you need at least 720. 641 is borderline approval for their charge card.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 5 of 22
Valued Contributor

Re: Almost there...

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 6 of 22
Super Contributor

Re: Almost there...


Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job. Smiley Very Happy

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 7 of 22
Established Contributor

Re: Almost there...

Give it a few more months and you'll be golden for approval.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 8 of 22
Established Contributor

Re: Almost there...

If it was experian, you now have 3 months of free daily report access. Congrats!

DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 9 of 22
Frequent Contributor

Re: Almost there...


Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


Too funny.  I haven't been on this board in since I bought my house a year ago - but I remember appbar.


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |

Message 10 of 22