09-25-2012 09:10 PM - edited 09-25-2012 09:11 PM
I can't seem to get approved for the Citi Forward card...and it eats me when I see a CITI student card approved with NO income and mine denied b/c of inquires...What gives CITI! Oh and Chase Freedom...I think I applied to them when I had no credit...denied of course due to lack of credit at the time. Maybe I should try again since I bank with them??
09-25-2012 09:43 PM
well im not denied by any i want atm.
i guess costco true earnings lol.
i was 0 for 4 for chase. (honestly dont even remember the cards i apped for)
but this summer was approved for a freedom instantly.
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
09-25-2012 10:00 PM
Cards I'm thinking of applying for in a few months are:
Amex Blue Cash
Chase Freedom or BofA Cash Rewards
They really need to have one super awesome card with all the features I want on one!
Though I did get a preapproval offer from AMEX for their gold card but me no likey AFs...lol
09-25-2012 11:20 PM
I had to kick and scream to get in with Citi finally.
09-26-2012 10:35 AM
Amex BCP - I've been jonesing for it for months and have applied a few times, but no love. I've had a Amex PRG since July. Also can't seem to get any Citi card - applied for Simplicity, Forward and Dividend and no for all of them. Applied in June. Chase likes me though - approved for United Club Visa and Mileage Explorer Visa at end of May. Will let my inquiries age a bit and maybe give the BCP another shot in December. I'm going to forget Citi for now.
09-26-2012 10:46 AM
Anycard with a 2k or more CL.... lol
09-26-2012 11:18 AM
Actually Tommy, applying in the store doesnt help your chances.
For about 15 years, the "credit staff" in most stores are just filling out information which goes to a central processing center where credit decisions are made. The store staff are just clerks that input data and reply "yes" or "you will get a letter".
If you apply via phone, often its the same thing. A central group actually analyzes the data and makes decisions; phone staff are often just clerks putting in data.
If there isnt enough information, or they want to talk to you, they will transfer you or tell you to call the credit decision dept; those are the only people that can help turn a "maybe" or a "no" into a "yes".
Its all organized this way for cost-reduction; rather than a credit staffer at every store (or a credit dept, like Sears used to have back in the day), they just have regular cheap clerks handle data entry, and a full-time group located offsite that does analysis and decisions. Not only is this cheaper to operate, it insulates the bank from accusations of making unfair credit decisions based on discrimination (race, gender, etc).
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO