Reply
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

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

Good idea. It's probably better at it would be another HP
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
scottwagnon
Posts: 1,342
Registered: ‎02-07-2010
0

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


NJTurnpike wrote:

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!


seriously??? hmmmmm

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
New Contributor
Richierichdollar
Posts: 116
Registered: ‎03-10-2013
0

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


colindidit wrote:
Good idea. It's probably better at it would be another HP

No worries cause when I get them I will use them to my advantage for not taking me sooner lol.

Valued Contributor
scottwagnon
Posts: 1,342
Registered: ‎02-07-2010
0

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

any capitalone signature/world card is one i could not crack.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Contributor
Radek7752
Posts: 91
Registered: ‎03-27-2013
0

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

Very good thread!

 

For me it has to be the Lexus Pursuits Visa. Anytime I apply it's always an instant decline which is laughable because their card is quite inferior to just about every one in my signature. It's also funny because I was instantly approved for almost every card in my signature as well. Another one is the Barclays Priceline Visa. I eventually said to heck with it because there isn't a single relevant purchase (to me) that I can't get better than 2% back on with another card.

BoA: Virgin Atlantic World Elite Mastercard
Chase: Sapphire Preferred (WMC)/Freedom/Amazon/Auto Loan (41k)
Citi: Thank You Preferred/Forward/Simplicity
AmEx: Zync/Blue Cash/Starwood Preferred
Discover: IT
GE: JCP/Walmart Discover
New Contributor
ItchyAppFingers
Posts: 96
Registered: ‎07-31-2012
0

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

Any card from: Barclays, and Citi (even though Citi recently started sending me a couple of invitation letters to apply for there card THEY STILL DENIED me. :'( and also can't get a CSP :smileysad:
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Established Contributor
JonStur
Posts: 904
Registered: ‎12-25-2010
0

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

[ Edited ]

Richierichdollar wrote:

colindidit wrote:
Walmart? Really? Do you have baddies on your TU

Yes I do I have a tax lien from 2010. That is paid off but they will not take it off my report. It shows as paid tho


Take your "release of lien" letter down to your local Clerk of Courts. After paying a fee, they will give you letters to mail to the credit bureaus advising them to remove the lien from your reports. Takes about a month.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
0

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


JonStur wrote:

Richierichdollar wrote:

colindidit wrote:
Walmart? Really? Do you have baddies on your TU

Yes I do I have a tax lien from 2010. That is paid off but they will not take it off my report. It shows as paid tho


Take your "release of lien" letter down to your local Clerk of Courts. After paying a fee, they will give you letters to mail to the credit bureaus advising them to remove the lien from your reports. Takes about a month.


Oh how I wish this were true.   A released lien is the same thing as a paid lien.  The recorders office already has the release of lien document recorded if it's showing up in CR as paid.  Sending the CRAs the release of lien document will not compel them to delete...just update as paid and sounds like it's already showing as such.

 

What is needed is a lien withdrawal.  This can be accomplished if it's a federal tax lien but likely not if it's a state lien (check your state's laws).  Is the lien from the IRS?



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Regular Contributor
jla84
Posts: 249
Registered: ‎07-21-2011
0

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

Barclays. Back when my file was thin and I had a very recent 30 day late, I applied for two of their cards and got denied for each one. That was in the beginning of my credit journey, and now that I have much better cards than them I have absolutely no use for any of their cards. 

 

Used to be Chase. I was denied for a card during the start of my credit journey and my ego was bruised, and still kind of is to this day. But just this year they started sending Slate preapprovals at least once a week, so I took their offer for a $0 fee/ 0%APR BT. I'll never put a purchase on it, and I'll probably just close it after I pay off the BT. 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
New Contributor
Richierichdollar
Posts: 116
Registered: ‎03-10-2013
0

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

[ Edited ]

electra wrote:

JonStur wrote:

Richierichdollar wrote:

colindidit wrote:
Walmart? Really? Do you have baddies on your TU

Yes I do I have a tax lien from 2010. That is paid off but they will not take it off my report. It shows as paid tho


Take your "release of lien" letter down to your local Clerk of Courts. After paying a fee, they will give you letters to mail to the credit bureaus advising them to remove the lien from your reports. Takes about a month.


Oh how I wish this were true.   A released lien is the same thing as a paid lien.  The recorders office already has the release of lien document recorded if it's showing up in CR as paid.  Sending the CRAs the release of lien document will not compel them to delete...just update as paid and sounds like it's already showing as such.

 

What is needed is a lien withdrawal.  This can be accomplished if it's a federal tax lien but likely not if it's a state lien (check your state's laws).  Is the lien from the IRS?


Yes it is a state tax lien from the irs. The thing I dont understand is that this was made to payment arangement which I paid it before the time frame and this is still on my report.


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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+