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Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
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Denied for an Overstock.com card:

Anyone know the requirements for Overstock.com?  They're backed by Omaha... 

Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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Contributor
Posts: 211
Registered: ‎07-02-2012
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Re: Denied for an Overstock.com card:

It was easy approval for my wife when she had less than 1 year of history. Nothing bad and low util. They approved for 5400 and it was the highest limit card, next limit was 3000 on amazon chase.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
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Re: Denied for an Overstock.com card:

I have 2 unpaid medical bills on my EX, 1 of the same bills on TU, and nothing on EQ. One bill for 2400 and the other is for 380, both from 2007.  I won't pay them because they failed to bill my insurance.  I have a history that stretches 12 years (I'm 31) and no negatives since those medical bills in 2007.  Just bought a home in Sept and it hit my reports last month.  It was the ONLY card on my app spree that I didn't get. I'm sure I will eventually get one... I may try again next year after the new accounts have over 12 months of good payment history...

Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Denied for an Overstock.com card:

Do you have any other revolving accounts? I find it odd that you got denied after just closing on a house. I closed on a house 2/6/13 and have been approved left and right since. ADT security system was a HP...approved. Best Buy approved for $2500.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
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Re: Denied for an Overstock.com card:

I closed on the house in Sept with one open cc, a secured cap1 card. 2 days after closing, I apped for Walmart, Home Depot, Lowes, US Bank, and Old Navy. I was approved for Walmart and Home Depot. I have 18 months perfect payment history on the cap1 card and 6 months perfect payment on Walmart and Home Depot. Mortgage is reporting 4 months of payments for one bureau and one month for the other 2. I literally was approved for every single line of credit BUT Overstock, and I have shopped with them regularly for almost 10 years... Such a bummer. i wonder if I can do a recon?? Then again, I have a nice set of cards to work with. Have my emergency card, my reward card, my misc card, and then cards for each store I shop at (except Overstock, of course)... And honestly, I prefer the smaller limits. I only use about $500/mo for credit aside from birthdays and Christmas... And that's max. I prefer spending only what I could pay in full and have only paid the minimum payment once on a card. I usually throw a couple hundred on the cards and never pay interest.

My household income is just about 30k, you know... If I am getting child support regularly. Mortgage payment is $355/mo, owe 51k on a $53075 loan. Just don't know...
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Denied for an Overstock.com card:

Yep that is odd. Maybe overstock.com is very inquiry sensitive. I would let the inquiries age or fall off and then try again.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Senior Contributor
Posts: 3,841
Registered: ‎10-02-2012
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Re: Denied for an Overstock.com card:

HMMA MAYBE its the fact that omaha is the issuer. They are stingy when it comes to approvals. Maybe they want to see somewhat good to excellent credit. With no CO nor BK'S nor lates. 

$1,200$1,000$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
0

Re: Denied for an Overstock.com card:

It's possible. I'll wait until next year... If I get denied the., I won't shop with them again, lol!
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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Senior Contributor
Posts: 3,841
Registered: ‎10-02-2012
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Re: Denied for an Overstock.com card:

good idea^^^^^ :smileyhappy:

$1,200$1,000$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
0

Re: Denied for an Overstock.com card:

Then* sorry... Not that good at thumb typing.
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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