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Established Contributor
Posts: 731
Registered: ‎02-15-2012
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Re: Cards You Just Can't Seem To Obtain!

I've also not yet found a card that I can't obtain as I've never been denied a credit card, though I can't say I've always been instantly approved.  This was also a pretty eventful year for me with 3 new cards, so I won't be applying for any other cards for quite some time.  I suppose I could always run into one at somepoint though that I just can't get.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: Cards You Just Can't Seem To Obtain!

[ Edited ]

Koop10010 wrote:

I've also not yet found a card that I can't obtain as I've never been denied a credit card, though I can't say I've always been instantly approved.  This was also a pretty eventful year for me with 3 new cards, so I won't be applying for any other cards for quite some time.  I suppose I could always run into one at somepoint though that I just can't get.


Thanks Koop. It's good to know I'm not alone. :smileyhappy:

 

Speaking of new cards, is there any reason you picked a MC for the sapphire preferred?

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 731
Registered: ‎02-15-2012
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Re: Cards You Just Can't Seem To Obtain!

Yeah, the main reason was so that I could use it at Sam's Club, since they only take MC and Discover, and I already carry two Visas (Freedom and debit card).

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
New Contributor
Posts: 72
Registered: ‎03-19-2011
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Re: Cards You Just Can't Seem To Obtain!

For me, my nemesis is Citi.  I am 0/2 different products, both years apart!

 

Once denied for a secured, years later for a Dividend.

 

If I am up for the pain, I might try for the Diamond Preferred at some point to add a M/C to the mix (if Chase doesn't PC my Freedom from VISA to M/C first).

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Regular Contributor
Posts: 234
Registered: ‎08-04-2012
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Re: Cards You Just Can't Seem To Obtain!

I want a JCB for some reason though I can't have one because it's not offered in my state.

Regular Contributor
Posts: 237
Registered: ‎06-21-2010
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Re: Cards You Just Can't Seem To Obtain!

I can't seem to get approved for a Chase card, though I've managed to pass hurdles for major credit sticklers like AMEX and US Bank (and have gotten healthy credit limits).

 

I havent tried recently because I have a judgement on my credit report and wont try for a while as I'm gardening now, but they are still a target in my crosshairs.

Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: Cards You Just Can't Seem To Obtain!

I am 0/2 for the Amex BCP. Just SPs though since I'm already a member. Last denial had me at 687 EX. Hoping once my score breaks 700 I'll be in.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
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Re: Cards You Just Can't Seem To Obtain!

Anybody who has had this issue with Discover.. Hopefully the IT card will bring better results... Its supposed to be the Zync of Discover... Basically, a prime card that's credit requirement are more "loose" than Discovers other cards... with that said I wouldn't expect any big CL's with this card but hey, it can hopefully get our foot in the door with Discover!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
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Re: Cards You Just Can't Seem To Obtain!


Tommy5746 wrote:

Anybody who has had this issue with Discover.. Hopefully the IT card will bring better results... Its supposed to be the Zync of Discover... Basically, a prime card that's credit requirement are more "loose" than Discovers other cards... with that said I wouldn't expect any big CL's with this card but hey, it can hopefully get our foot in the door with Discover!


Discover won't budge for me because they apparently keep pulling my EQ (they do this in the northeast a big, apparently) which is uglier than my TU. *sigh*

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Established Contributor
Posts: 541
Registered: ‎12-02-2011
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Re: Cards You Just Can't Seem To Obtain!


Duncanrr wrote:

CreditScholar wrote:

Duncanrr wrote:

CreditScholar wrote:

None yet. I've been instantly approved for every card I've ever applied for.


Good for you but you are kind of missing the point of this thread.

Oh I understood perfectly

 


Great, do you want a cookie?

Heeheehee.  hahahaa.  :smileylol:

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