For those who have been denied a card you really wanted then reapplied later and approved, may I please ask the following:
1. What card/bank was it?
2. How many apps did it take to get it and how long did you wait between reapplying?
3. Reasons for denial if you remember
5. What positive changes happened to your credit to make you qualify later (derogs falling off/deletions, lower util, higher AAoA)?
I have been shot down in the past by both Citi and Barclay. Looking back, those were dumb apps at the time but hindsight is 20/20.
I have a mini spree coming up (just two) mid March and am thinking about reapplying for a Barclay card (Sallie Mae). Apps in general make me cringe (not sure why I get so nervous) but the thought of reapplying when shot down in the past makes it even worse. 
Thanks in advance for sharing. I think some of your experiences may lighten my thoughts and give me higher hopes.
@axledobe wrote:For those who have been denied a card you really wanted then reapplied later and approved, may I please ask the following:
1. What card/bank was it? AMEX GREEN & DELTA
2. How many apps did it take to get it and how long did you wait between reapplying? Clse to 10times in 6months frame
3. Reasons for denial if you remember You know the same reasons- Score/ too many INQs/ # of Derogs/ Too many accts established in past 12months deal
5. What positive changes happened to your credit to make you qualify later (derogs falling off/deletions, lower util, higher AAoA)? Honestly, I think they felt bad for me and kinda gave in....but all in all, i think it was my # of derogs aging off, variety of accounts- # of installments/CCs/retail cards, consistent UTIL of 1%~2% for 3months or so
I have been shot down in the past by both Citi and Barclay. Looking back, those were dumb apps at the time but hindsight is 20/20.
I have a mini spree coming up (just two) mid March and am thinking about reapplying for a Barclay card (Sallie Mae). Apps in general make me cringe (not sure why I get so nervous) but the thought of reapplying when shot down in the past makes it even worse.
Thanks in advance for sharing. I think some of your experiences may lighten my thoughts and give me higher hopes.
Good luck on your app spree in March!!
::edited for typo::
@axledobe wrote:For those who have been denied a card you really wanted then reapplied later and approved, may I please ask the following:
1. What card/bank was it?
2. How many apps did it take to get it and how long did you wait between reapplying?
3. Reasons for denial if you remember
5. What positive changes happened to your credit to make you qualify later (derogs falling off/deletions, lower util, higher AAoA)?
I have been shot down in the past by both Citi and Barclay. Looking back, those were dumb apps at the time but hindsight is 20/20.
I have a mini spree coming up (just two) mid March and am thinking about reapplying for a Barclay card (Sallie Mae). Apps in general make me cringe (not sure why I get so nervous) but the thought of reapplying when shot down in the past makes it even worse.
Thanks in advance for sharing. I think some of your experiences may lighten my thoughts and give me higher hopes.
Amex Delta.
I was denied once and approved the second time, 2 months later.
FICO score was the reason for denial.
A negative item on my credit report was removed causing an increase in score which led to approval.
P.S. You skipped number 4. 
@axledobe wrote:For those who have been denied a card you really wanted then reapplied later and approved, may I please ask the following:
1. What card/bank was it? Discover for their More and Elan
2. How many apps did it take to get it and how long did you wait between reapplying? Discover, I think I waited for a year and was approved with 2nd app, Elan I waited 1.5 years and was approved with second app
3. Reasons for denial if you remember Can't remember but I think Discover was derogs at the time and Elan, too many inquiries
5. What positive changes happened to your credit to make you qualify later (derogs falling off/deletions, lower util, higher AAoA)? TIME
Starting Score: 648
@angel22 wrote:
1. Barclaycard Sallie Mae
2. I didn't apply for the Sallie Mae again because I got preapproved for their Rewards Mastercard and applied for that instead. 7 months in between apps.
3. Too many inquiries and too many new accounts opened.
5. Time helped my credit report also.
This is exactly what happened to me except I applied for Sallie like 3 or 4 times. I still don't have it... 
I have apped for barclay rewards a couple of times and was denied. The reason was too any new accounts and they want to see more payment history. So I won't app for a barclay card until a year from now since I recently tried yesterday! Good luck!
