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Most of the credit cards I have obtained in the last 5 years have been branded credit cards. I got a Chase Orvis because I was ordering from Orvis and followed the click here to save $xxx on this order. I got a US Bank REI Visa ... same reason. I got a Cabellas Visa ... similiar reason. The list goes on.
I applied for a 2nd Barclay's US Airways card and got denied having adequate credit from Barclays. The application was totally insolicted on the part of Barclays.
My AAoA is 7 years 1 month per EQ.
Two questions:
- Are all new credit card applications reviewed equally? If I want a card from XYZ, are you more or less likey to be approved if you apply in response to a promotion received in the mail, a promotion or special offer received because you already have an account with them, an application because you happen to be ordering something on a website, ie get a REI Card and save $xxx now? Does an impluse application get more favorable review that an unsolicited application?
- When applying for a credit card is there a way to say "This application is for your xxxx Platinium or Signature card with a credit line of at least $12,000". I have no interest in a different card or a lower limit. Please do not open a new account for a lesser card or lower limit. I would rather take the hit for a hard inquiry than get stuck with a low limit.
- In todays credit market, any thoughts on total credit limit to total household income ratio? What ratio are CCC looking at when the denial is "you have adequate total available credit"? Most of my old (opened 10 plus years ago) have $30K plus limits. Most of my newer cards have $4K to $6K limits. It might be age, but I suspect it might also be I have adequate total credit. I know now don't close old accounts, but reducing their limit might be a consideration if their orbtial limits are preventing me from getting better limits on newer cards.
Thanks for your thoughts.
@JJF wrote:Most of the credit cards I have obtained in the last 5 years have been branded credit cards. I got a Chase Orvis because I was ordering from Orvis and followed the click here to save $xxx on this order. I got a US Bank REI Visa ... same reason. I got a Cabellas Visa ... similiar reason. The list goes on.
I applied for a 2nd Barclay's US Airways card and got denied having adequate credit from Barclays. The application was totally insolicted on the part of Barclays.
My AAoA is 7 years 1 month per EQ.
Two questions:
- Are all new credit card applications reviewed equally? If I want a card from XYZ, are you more or less likey to be approved if you apply in response to a promotion received in the mail, a promotion or special offer received because you already have an account with them, an application because you happen to be ordering something on a website, ie get a REI Card and save $xxx now? Does an impluse application get more favorable review that an unsolicited application?
- When applying for a credit card is there a way to say "This application is for your xxxx Platinium or Signature card with a credit line of at least $12,000". I have no interest in a different card or a lower limit. Please do not open a new account for a lesser card or lower limit. I would rather take the hit for a hard inquiry than get stuck with a low limit.
- In todays credit market, any thoughts on total credit limit to total household income ratio? What ratio are CCC looking at when the denial is "you have adequate total available credit"? Most of my old (opened 10 plus years ago) have $30K plus limits. Most of my newer cards have $4K to $6K limits. It might be age, but I suspect it might also be I have adequate total credit. I know now don't close old accounts, but reducing their limit might be a consideration if their orbtial limits are preventing me from getting better limits on newer cards.
Thanks for your thoughts.
2. If you apply for Alliant Credit Union it tells you if you're approved and what credit limit before you accept the card
@JJF wrote:Most of the credit cards I have obtained in the last 5 years have been branded credit cards. I got a Chase Orvis because I was ordering from Orvis and followed the click here to save $xxx on this order. I got a US Bank REI Visa ... same reason. I got a Cabellas Visa ... similiar reason. The list goes on.
I applied for a 2nd Barclay's US Airways card and got denied having adequate credit from Barclays. The application was totally insolicted on the part of Barclays.
- In todays credit market, any thoughts on total credit limit to total household income ratio? What ratio are CCC looking at when the denial is "you have adequate total available credit"? Most of my old (opened 10 plus years ago) have $30K plus limits. Most of my newer cards have $4K to $6K limits. It might be age, but I suspect it might also be I have adequate total credit. I know now don't close old accounts, but reducing their limit might be a consideration if their orbtial limits are preventing me from getting better limits on newer cards.
Thanks for your thoughts.
I'm not sure that this really answers any of your questions, but it seems that Juniper/Barclays just doesn't like you to have more than one of their cards. I've had 1 Juniper card for 4 yrs and applied for their Airways card to get $50 off my last flight. I was also denied for having adequate credit limit with them at the time.