Credit Card Center Advertiser Disclosure†
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: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
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).
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.