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@shorrttyycm1 wrote:
Thnx for advice bichonmom...I have about 21 mnths post w/ 5 positive trade lines no negs other than iib acts and bk7 itself. The denial letter only listed reason was bankruptcy? I have never had a GE card, the only store card i ever had was kohls.
My scores were Eq 656 TU 661.
idk...so confused.
Like I said....call them back! Plead your case to someone who will listen. There was a thread here just recently about a lady who was denied a Chase card. She REALLY REALLY wanted it but she got the denial letter just like you did. She called back 5 times until she finally got approved.
Here is the thread....maybe it will give you some inspiration
@shorrttyycm1 wrote:
Thnx for advice bichonmom...I have about 21 mnths post w/ 5 positive trade lines no negs other than iib acts and bk7 itself. The denial letter only listed reason was bankruptcy? I have never had a GE card, the only store card i ever had was kohls.
My scores were Eq 656 TU 661.
idk...so confused.
Seems like you should have been approved, even w/a low starting CL. How long ago did you app? If it was within 30 days, then try calling the backdoor #. Most have reported no luck with this, but couldn't hurt to try. If longer than 30 days, then maybe reapply.
Alternatively, call and ask for a supervisor. If it's been over 30 days, they probably would need to do another HP, though. Maybe a supervisor could enlighten you as to the 2 year waiting period. Maybe say you have a friend (us!) who got a Walmart card less than 2 yrs post Bk, so why do they have the requirement for you and not for your friend.
Good luck!