I recently received an invitation to app for the Citi Diamond Preferred card. I decided to go ahead and app for it today, along with the BoA affinity card that I've been wanting. Unfortunately, I was denied for both. I suppose at the very least I'll get to see my EX FICO score when the letter from BoA comes in. <sigh>... these have been my first denials since rebuilding.
I wish that I had checked the Citi app line before trying for the BoA, as knowledge of the decline might have caused me to hold off and save myself an inq. Oh well, over and done wtih.
Ok, time to pick myself up and continue on. I tried for these cards too soon, I guess. But, I thought that since I had received the invite and since Amex approved me last May, that perhaps I was ready after all. Guess not. Back to the garden until at least next fall. By then the last of my baddies should have fallen off.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Sorry to hear about that.
Wait 6 months and try again. I'm sure by then your scores might be over 700.
Can you speculate why you were denied? (scores? Baddies?)
@CS800 wrote:Sorry to hear about that.
Wait 6 months and try again. I'm sure by then your scores might be over 700.
Can you speculate why you were denied? (scores? Baddies?)
Pretty sure it was baddies - 1 CA and 4 COs, all of which will be gone by next year. Frankly, I was shocked that Amex approved me last May with those on my report. I'll wait until those are gone and then try again. In the meantime, the cards that I have currently are serving me quite well.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@RockinRay wrote:You are right in the fact that you will get your FICO score... So, not was all for a loss!
Ray
Thanks, I agree. Generally, I tend to be the type of person who looks for the silver lining in things. But, admittedly, I'm feeling kind of down in the dumps about it today. No worries, though; I'll bounce back soon.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@tinuviel wrote:
@CS800 wrote:Sorry to hear about that.
Wait 6 months and try again. I'm sure by then your scores might be over 700.
Can you speculate why you were denied? (scores? Baddies?)
Pretty sure it was baddies - 1 CA and 4 COs, all of which will be gone by next year. Frankly, I was shocked that Amex approved me last May with those on my report. I'll wait until those are gone and then try again. In the meantime, the cards that I have currently are serving me quite well.
I have 1 paid collection and one active (dropping off next year)
I was amazed when AMEX approved me.
I understand just how you feel. 
I have had a Discover card with a $1500 line for about 7 months now. I ran $3000 per month through that card for the first 5 months, then settled back a bit.
Called them yesterday and was declined for a CLI. I told the guy (who was very nice) that my Amex BCE has a line of $22,200 and Discover will not even budge to $5k?
So just like you, I had to deal with the emotions of a "let down". Oh well, it does not bother me that much. That card sits in the sock drawer.
I like to deal with the companies that like to deal with me!
Ray
@tinuviel wrote:
@RockinRay wrote:You are right in the fact that you will get your FICO score... So, not was all for a loss!
Ray
Thanks, I agree. Generally, I tend to be the type of person who looks for the silver lining in things. But, admittedly, I'm feeling kind of down in the dumps about it today. No worries, though; I'll bounce back soon.
Down in the dumps? Nothing a little bit of chocolate won't fix. (or a lot )
Starting Score: 690
Ray