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DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Frequent Contributor

DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

I was told that i couldnt get the card for the reason that i have new accounts

I was offered the secure card instead because my score is to low i guess...Wow

Do i get the secure card with; 720 fico/5.5 yrs AAOA/12 yrs of credit history/1% utl ???????

I guess we have to go back to kindergarden base on this lender


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 1 of 69
68 REPLIES
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Thats lame. If they dont want to do business with you then wy would you want to do business with them?


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 2 of 69
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

I thought i give it a shot but they did offer me the SECURED credit cardSmiley Surprised


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 3 of 69
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

I dont see the point in that personally...


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 4 of 69
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

lol you know what i mean.i will mail them you know ****** what.How much low this lenders are willing to go today..WowSmiley Mad


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 5 of 69
Valued Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD


astritaho1979 wrote:

I was told that i couldnt get the card for the reason that i have new accounts

I was offered the secure card instead because my score is to low i guess...Wow

Do i get the secure card with; 720 fico/5.5 yrs AAOA/12 yrs of credit history/1% utl ???????

I guess we have to go back to kindergarden base on this lender


They just closed out your acoount. Why would they open it back up when they see you as such a credit risk?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 6 of 69
Valued Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

If your starting score was in the 500's just two year ago. How would you have an AAoA of over 5 years after opening all the new accounts you claim to have opened?

 

US Bank wants nothing to do with you and neither would I.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 7 of 69
Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Smiley Surprised.....Well this is getting interesting.......

Amex BCE...Amex ED...Barclay WMC...Priceline Rewards Visa...Cap One Venture...Total Rewards Visa...Wells Fargo Visa...Discover IT...Pay Pal Smart Connect...Overstock Store Card...Lowe's Store Card


Message 8 of 69
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

what are you saying now.U seems to be incorrect on all the posts u have in here.I dont remember you ever been correct about anything so yea


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 9 of 69
Frequent Contributor

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

very


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 10 of 69