Just so I understand, you claimed that your income was $5 million and it was $245 thousand?
Creditors can close your accounts at any time - if you lie about certain facts, that is just going to upset them more.
Starting Score: 627 EQ, 621 TU - 11/15/08Keep in mind the reason that most CC companies deny someone with a lot of recent inquiries is because they don't know if credit has been extended to you or not from these people. If someone just took out 4 new CCs at 5-10k each, that would indicate they most likely need money badly and are desperate. This would be a bad sign for a potential creditor. It doesn't matter if you got denied or accepted, the inquiries will hurt a lot for credit products until they fall off.
A manual review on a decline might net you some more leniency though if you explain what they were for.
This is more for my personal interest, but if you have that much cash available, why are you worrying so much about a credit card? The rewards are nice, but i'm sure your discover card has that. If you truly want a good credit product that won't hastle you, I would seek out a local credit union. If you plop a large sum of money in their bank, they will give you there best credit product most likely. Then you don't have to worry about FRs or anything of that nature.
