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Regular Contributor
ccaddict
Posts: 121
Registered: ‎07-21-2007
0

Re: Cannot get credit card

and what are the reasons for decline/negativity from cu if you have any.

Something doesn't fit.....
Frequent Contributor
future
Posts: 285
Registered: ‎06-05-2007
0

Re: Cannot get credit card

try for a orchard card, target, or maybe cccu.  did you ever file a bk?  what kind of card did you apply for?   what seems to be the problem with you being approved, your scores sound pretty fair.  if possible can you explain your situation a little more. the more you say the more advise may be offered.....
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
0

Re: Cannot get credit card

Go to www.whogavemecredit.com plug in your score from a particular bureau and check to see who approves what in your state.
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
0

Re: Cannot get credit card



nathan wrote:
With your scores most cu will embrace you. I got navy fed with a 591eq and i had just an orchard with a $300 limit. You might want to pull your report just to make sure there is no recent baddies like collection or judgment. Join a cu and you will get a card with decent cl.



The fact you are in a Credit Union does not automatically grant you credit privileges. Making timely payments is the key to obtaining the credit you desire.
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007
0

Re: Cannot get credit card

Do you have enough TLs (on the particular report that is getting pulled) for the creditor's requirements?  Got unpaid collections?  BK?
 
You should do the pre-qual on Cap1 and see what they will offer then design a card.  They do triple hit you with the INQ.  And BTW careful disputing valid INQs.  If nothing else, it can cause major fraud issues.
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
0

Re: Cannot get credit card

Don't know who M7Ti but you may want to go to the BofA site and see if they have any preapprovals to offer you.  If that is bank card, I find that they are harder to get than those issued from company's whose primary business is credit cards.  I have a bank card from my local bank but only through calling in favors. Theri min score was 690 when I was well belo that.
Frequent Contributor
moonman
Posts: 293
Registered: ‎05-01-2007
0

Re: Cannot get credit card

there was a time where I'm from (ft worth) that when you wanted to establish credit easily all you had to do was go to the jeweler store downtown and buy a trinket and you were on your way.....i miss those days dearly.
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
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Re: Cannot get credit card



moonman wrote:
there was a time where I'm from (ft worth) that when you wanted to establish credit easily all you had to do was go to the jeweler store downtown and buy a trinket and you were on your way.....i miss those days dearly.

 
Now a days it would be considered a CFL and hurt your score....lol!!!

Frequent Contributor
moonman
Posts: 293
Registered: ‎05-01-2007
0

Re: Cannot get credit card

lmao!!!!! actually i greatly benifit from doing that because i moved to zales and so on pretty fast and thought i had the credit world in my hands then.....ooh the niave thinking of a young man then lol..

Brammy wrote:

moonman wrote: there was a time where I'm from (ft worth) that when you wanted to establish credit easily all you had to do was go to the jeweler store downtown and buy a trinket and you were on your way.....i miss those days dearly.
Now a days it would be considered a CFL and hurt your score....lol!!!

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Cannot get credit card


moonman wrote:

Brammy wrote:

moonman wrote: there was a time where I'm from (ft worth) that when you wanted to establish credit easily all you had to do was go to the jeweler store downtown and buy a trinket and you were on your way.....i miss those days dearly.
Now a days it would be considered a CFL and hurt your score....lol!!!

lmao!!!!! actually i greatly benifit from doing that because i moved to zales and so on pretty fast and thought i had the credit world in my hands then.....ooh the niave thinking of a young man then lol..


DH and I did this by buying a china cabinet. 27 years later, we still have it, looming over the dining room table. Paid it off in 3 months, and we were on our way.

I was just now glaring at it, thinking that if I could get rid of it, I could move the piano into its spot. (We're in our yearly debate, trying to figure where to put the Christmas tree. And yes, we do things late!)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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