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Cards You Just Can't Seem To Obtain!

Regular Contributor

Cards You Just Can't Seem To Obtain!

Ever app for a card over.. and over.. and over again only to be denied each and every time? You have an amex.. you have a chase card.. you have a citi yet discover just wont give you that card! Or maybe its Amex that wont budge? What card do you continuously app for but just cant seem to get!?

 

For me.. It's Discover.. App'd 3 times and each time its a big ol' NOPE!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 1 of 59
58 REPLIES
Frequent Contributor

Re: Cards You Just Can't Seem To Obtain!

What were the reason(s) they've given you?

 

(or is that another threadSmiley Wink)

Amex Platinum - Amex BCP - Chase Freedom - NFCU Platinum -
Message 2 of 59
Valued Contributor

Re: Cards You Just Can't Seem To Obtain!

For me, Walmart. I tried on line 3 or 4 times this past year. Always declined and never could recon the request.

 

Finally at the end of last year, I stopped and App'd at a store and was approved with a BIG $600 limit. I was approved for the Discover version and this was last December.

 

Today, the CL sits at $4600. I'll work the CLI again once the next few months go by.

Ray

** Every Card has a Job, and Every Card does its Job **
Message 3 of 59
Established Contributor

Re: Cards You Just Can't Seem To Obtain!

AMEX.

 

Denied 3 times with FICO's @ 630, 650 and 670.

 

Managed to get in with Chase, Barclay, Discover & GE - but AMEX is no dice every damn time.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 4 of 59
Frequent Contributor

Re: Cards You Just Can't Seem To Obtain!

Citi 0 for 3 lol.

Message 5 of 59
Frequent Contributor

Re: Cards You Just Can't Seem To Obtain!


Jlu wrote:

 

 but AMEX is no dice every damn time.

LOL. You'll get it soon enough if you stay above 670

 

Message 6 of 59
Frequent Contributor

Re: Cards You Just Can't Seem To Obtain!

600 to 4600 in 9 months Smiley Surprised? Did you run a ton of  $$ through it ?

Message 7 of 59
Valued Contributor

Re: Cards You Just Can't Seem To Obtain!


AF_23 wrote:

600 to 4600 ? Did you run a ton of  $$ through it ?


I only use this card for booze at Sam's club!  Smiley Happy Maybe $100 per month - max...

 

Two steps, first CLI was from $600 to $1600. Next from $1600 to $4600 where it sits today. I do not need this card but I keep it open for the free TU FICO.

 

I think in three months, I can try for another CLI. Goal is $10k for this card.

 

Ray

** Every Card has a Job, and Every Card does its Job **
Message 8 of 59
Regular Contributor

Re: Cards You Just Can't Seem To Obtain!


MontegoMack wrote:

What were the reason(s) they've given you?

 

(or is that another threadSmiley Wink)


haha.. Everytime they said that my util was too high.. So i brought it down.. then they said too many inqs to wait until they season aka pass 6 months.. then the third time was because i had no large tradelines reporting.. argh!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 9 of 59
Frequent Contributor

Re: Cards You Just Can't Seem To Obtain!


RockinRay wrote:

AF_23 wrote:

600 to 4600 ? Did you run a ton of  $$ through it ?


I only use this card for booze at Sam's club!  Smiley Happy Maybe $100 per month - max...

 

Two steps, first CLI was from $600 to $1600. Next from $1600 to $4600 where it sits today. I do not need this card but I keep it open for the free TU FICO.

 

I think in three months, I can try for another CLI. Goal is $10k for this card.

 


Wow, are they auto CLI or did you also ask/counter offer ? Impressive

 

Message 10 of 59