No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
What was your experience?
I've been approved for 2 (GE and havertys, meant to only apply for 1) and declined for 2
Still want to apply for bce and citi but after getting declined for chase freedom and discover it
(both chase and discover pulled ex and eq....weird)
@jordanmedical wrote:What was your experience?
I've been approved for 2 (GE and havertys, meant to only apply for 1) and declined for 2
Still want to apply for bce and citi but after getting declined for chase freedom and discover it
(both chase and discover pulled ex and eq....weird)
How many INQ's do you have in the last 6 months and UTL? What's CR look like baddies ect? Did you recon any of these declines?
If Chase and discover declined I would say its time to stop and Amex will be hard to get IMO tho
I have several inqs from the mortgage process in the last 6 months. I have 2 baddies from 2011 (1 a C/O), util is in the 30s.
I reconned both and will try to recon again as well.
@jordanmedical wrote:I have several inqs from the mortgage process in the last 6 months. I have 2 baddies from 2011 (1 a C/O), util is in the 30s.
I reconned both and will try to recon again as well.
What were reasons for decline from recon?
new accts from 2012 (when I started to rebuild) -They want to see more establishment
too many inqs (which I explained)
high util (only chase said this)-I rechecked my util and it is still in the 30s
Chase also mentioned high student loan balances (rediculous if you ask me because these are a lt loan and have never been late)
Both asked about the baddies (explained this was 1 financial bump as there are only 2 and both are from 2011)
Last year I went on a spree after my closing. Got a Discover IT, Lowes, and Amex BCP. Declined for Citi Diamond. My utility was very very low and INQ's were low as well.
Odd, I've stopped apping though.
I forgot I applied for a CLI on my NfCU card, got declined a few months ago. Went from 3K to 8.5K today, def going to leave my secured open with them, see what they give me upon graduation there
I went on an app spree after I closed. I got Chase Amazon, Amex Zync and NFCU Cashrewards as well as GECRB Amazon.
Got declined for a few too: Namely QT gas card that I wanted!
So I apped for PP MC after I got my cli and apr reduction and visa signature status on my nfcu cash card, got approved for 1500.
I want to app for 2 more before I stop for a while, need some advice:
Home Depot or Lowes (Lowes is GE and I already have a few cards with them but Citi sent me a pre-approval a month ago after I was added as an AU on my mom's acct)
CareCredit (for any medical or vet emergencies)-how often do I have to use to keep this active?
Any advice on applying for the above before the new accts hit my report?
I know I have no hope for the AMEX BCE but do I have hope to try to start with a charge card?
Util have gone up to 40% due to mid-cycle reporting of my GE acct after changing my addy