09-16-2009 04:30 PM
09-16-2009 04:44 PM
What is your AAOA?
I'm not even at 697 yet and they gave me a card.. no fuss (its a piece of **bleep** high APR card, but a card)
for comparisons sake here is my info
Length of Credit History: 9 Years, 0 Months
Average Account Age: 4 Years, 6 Months
09-16-2009 04:55 PM - edited 09-16-2009 05:00 PM
The best approach is to call them and ask what you need to do to qualify in the future.
Asking for the supervisor right away sets of a potentially hostile call.
All credit grantors reconsider when addressed in writing or on the phone.
you must have called after hours and spoken to India. Call during normal business hours.
Just call them back again and speak with someone else.
Maybe let them know you are getting credit counseling. (like this forum)
This forum is credit counseling and potentially more effective since it is a social one.
Offer up like reducing credit limits elsewhere or even getting a prepaid card to build up again.
By Law, Banks and Credit institutions are required to educate customers and help you avoid problems.
Most likely any kind of interest in learning and changing will reflect positively and on the phone they can enter this in your record.
This, an internal record they are required to maintain for anyone applying for credit.
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