10-16-2012 06:21 AM
So, now I am ready to garden which will be nice a change instead of always figuring out which card I may or may not get. I will wait for the Platinum card until my Green reaches 13 months at which time I will upgrade and will also look for a good visa card I was thinking maybe visa black card, I think by then my score should be well over 750.
Reasons for Denial: Fico Experian too low, of 719; too many inquiries; also for not having had my other American Express cards long enough and no installment loans( what is this? And why do I want this type of payment plan? Sounds like it is good, if you like paying interest.
Cards I have: 3 American express cards( 2 charge cards both NPSL and as of 10/15/2012 $12k limit and 1 Costco T.E. limit of $1,200.00), HSBC now Crap1 with low limit of $420, Dillards Amex $1,000, Walmart $800, Firestone Card $900 (never used), 2 other AU's from Crap1 750 and 500.
I think the low limit cards from Crap 1 are hurting me but they are what is giving me my AAOA, so I can not drop them even though I am not a fan of Crap1. I was really surprised that I was denied the Platinum card yesterday. But also I applied on the phone with a rep and was told to check the site in hour I checked it 3 hours later and no application was showing up so I called and was told that there was not an application so I reapplied online and once I was done I went the the status page and sure enough the phone application was sitting right under the application I did online, stupid and I think they pulled credit for both apps, because my score was a 721 the morning I applied so I do not know what really happened because the fact I was crushed via Denial. I should not have reapplied that was just my itchy finger.
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