I apped for Virgin America Barclays card and was denied, an email was sent explaining that I had too many recent inquiries, insufficient credit history, and a recently opened account. My eq fico is 656 , my TU was about 670 last month (this is what they pulled -with 10 inquiries) I called the backdoor number four times to get through to a human being, he asked me how I got the number it was the wrong department, however, he would transfer me to credit. When I spoke to credit department I explained I wa living overseas and thats why my credit history was short (1 yr 7 months) AAoA of 7months. He asked me again about income 110k p/yr. and other credit card balances and approved me with a cl of $2500!
HSBC cash or fly no fee 3,000 cl
Cabelas $2500 cl
Kay Jewelers 3000cl
Macys $1100 up from starting cl $300 last July 09
Bloomingdales $500cl just a $100 increase from start October 09 $400cl
Amazon store card $1200 cl started in December 09
I'm Happy to say I closed my first premier card yesterday ( which was the first card I got 1yr 7months ago) I now have all no fee cards! - but it was useful and worth the fees in as much as it accomplished what I needed to establish credit again.
