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New Member
Posts: 120
Registered: ‎05-14-2013
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Credit cards you just can't seem to "crack"

i think all of us at one time or another have made numerous attempts at trying to obtain a particular credit card.. what card(s) can you just not obtain for one reason or another? For me its Chase Freedom and any card from Discover! It used to be GE as well but i now have two GE branded cards so i'm trying for a Chase product this fall :smileyhappy:
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: Credit cards you just can't seem to "crack"

CSP.... they've denied me 4 times!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
New Contributor
Posts: 106
Registered: ‎05-06-2013
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Re: Credit cards you just can't seem to "crack"

Citi Forward. I've applied twice and the last time recon'd with the EO.  Even asked them to just move some of my current CL from my TY Premier.  It just isn't gonna happen.

Chase Sapphire Preferred $12k | Chase Freedom $7k | Chase United MileagePlus Explorer $15k | Chase Hyatt Visa $11.8k | Chase Amazon Visa $3k | Citi TY Premier $8.5k | Amex SPG $13.5k | Amex HHonors $5k | Discover IT $9k | BofA Cash Rewards $6k | BofA BB Rewards $2.7k | Banana Republic Visa $3k
New Member
Posts: 120
Registered: ‎05-14-2013
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Re: Credit cards you just can't seem to "crack"


jsickz32 wrote:
CSP.... they've denied me 4 times!

with over 20 accounts in your Sig i think you'll live without the CSP haha.. Kidding though.. keep trying!

Established Contributor
Posts: 802
Registered: ‎05-16-2012
0

Re: Credit cards you just can't seem to "crack"

For me :

 

Discover- Applied and denied in 2010 and 2011. Didn't bother trying in 2012 because all of my new accounts. I plan on applying this year as I have been in the garden 174 days.

 

Citi Bank- they have denied me 3 times, the last being last year.

100% Ficos: EX 773 , TU 769, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: Credit cards you just can't seem to "crack"

First Premier Bank. I keep asking them to remove the monthly and annual fees, reduce my apr to under 10%, add 2% cash back with 5% rotating categories quarterly and they keep denying me!

 

I shall not give up!


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
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Re: Credit cards you just can't seem to "crack"

Anything from CITI.

 

I have never had a card from them or any accounts. Denied 3 times for 3 different cards in a lapse of 1 year.

 

Reasons. Serious deliquency 5 years ago. That's what I get from them when I call for recon. Meanwhile I get great CLI's from other CC companies.




New Contributor
Posts: 106
Registered: ‎05-06-2013
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Re: Credit cards you just can't seem to "crack"

That was my problem with Citi as well.  Approvals with high CLs at Amex and Chase, but no go from Citi for one of their 'intro' cards.  I think the only reason I got approved for the Citi TY was I got a pre-approval in the mail.  I plan on PCing from my TY Premier to the TY Preferred after the first year to avoid the fee and I wonder if they will ask why.  Without comboing it with the Forward, I don't think the TY point network is worth it.  Maybe that will change with the rumored changes to the reward program this summer.  They'll have to do something to compete with Chase's UR platform.

Chase Sapphire Preferred $12k | Chase Freedom $7k | Chase United MileagePlus Explorer $15k | Chase Hyatt Visa $11.8k | Chase Amazon Visa $3k | Citi TY Premier $8.5k | Amex SPG $13.5k | Amex HHonors $5k | Discover IT $9k | BofA Cash Rewards $6k | BofA BB Rewards $2.7k | Banana Republic Visa $3k
Frequent Contributor
Posts: 491
Registered: ‎10-08-2011
0

Re: Credit cards you just can't seem to "crack"

Citi's cards have proven to be ridiculously difficult to attain. I honestly think their student cards are more difficult to get than some Amex cards.

 

The worst part is that I can only think of one or two cards in their entire lineup that even warrants such selectivity.

    
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: Credit cards you just can't seem to "crack"

last year it was citi for me. This year got in with instant approval.

 

This year it looks like it's going to be barclays-I mean okay theyre going to say too many new accounts. But if theyre using 14-15 month old cards as part of that count, then dang, theyre really tryna steer me away lol, recon analysts not looking to help for now either.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
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