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DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Frequent Contributor

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

Actualy i had a account with them.

They close it for some lame reason and they offer me to reopen a new account while i was on the phone with csrvice.

I did not wanna reapply they offer me to reapply for it and they say that i was preapproved bla bla bla


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 11 of 69
Valued Contributor

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

Like your other posts about not being approved and/or lenders closing your accounts there must be something that would make them run for the hills. 

 

No hate here; its just a very strange.  


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 12 of 69
Frequent Contributor

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

its just this particular trio/us bank c1 and barclays that hate on me.Why other lenders on my signature have not closed my accounts?


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 13 of 69
Valued Contributor

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

Sounds like op is just having bad luck in life. Just use the cards you have and lay low. No cli no new accounts no inquires. Stay like that for a year better if two and you'll qualify for any card you want.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 14 of 69
Super Contributor

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


creditnocash wrote:
Sounds like op is just having bad luck in life. Just use the cards you have and lay low. No cli no new accounts no inquires. Stay like that for a year better if two and you'll qualify for any card you want.

Good advice!

 

Time heals all, especially in the credit world.

Message 15 of 69
Frequent Contributor

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

I dont take no for a answer nor should youSmiley Happy


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 16 of 69
Valued Contributor

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

Sounds like you need to go into gardening mode for a long while.  US Bank says you have two many inquiries and your other posts that are talking about other major CC's closing you down indicate that there is something wrong.  At least they offered you something because they obviously see something wrong in your credit file.  So they are saying that despite seeing this red flag that they will do business with you if you deposit some money with you.  So they don't trust you now and you have to prove yourself again.  You did say that US Bank closed your account too right or did I misread that?

 

Whatever the reason its time for you to refrain from hitting the submit button because you are losing steam now burning up unnecessary hp's.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 17 of 69
Frequent Contributor

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

I dont understand some posters here.Cant you even see that i have 50k plus on my report with other lenders and 1% utl 12 yrs of credit history.Wow what in the world your talking about man.Please iam begging you to read a little then u reply


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 18 of 69
Frequent Contributor

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

Not really IMO


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 19 of 69
Valued Contributor

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


astritaho1979 wrote:

I dont take no for a answer nor should youSmiley Happy


i dont, but i know when enough is enough. 

i went from 3 cards to 10 and an auto loan at the best rate.  no denials, no recons. 

 

with all the inquries your gathering up i can understand why barclays would close because thats just what they do. 

but eventually when you keep applying and applying and get denied even on recon youll know exactly why. 

when you recon cards they tell you whats wrong to fix not too do nothing and try again. 

 

so yeah keep doing what your doing but youll never get out of this "funk" if you keep doing what your doing. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 20 of 69