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Established Contributor
Posts: 673
Registered: ‎07-22-2007
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Difficult Ones

I thought I would start a thread about cards (credit  store,etc) that were the MOST difficult to get..
Even the ones that you may have now, but it wasnt easy.:smileywink:
For me it is GEMB and CITI. Come on dont be shy list them...
TU 662 EQ 644
EX 643
Established Contributor
Posts: 501
Registered: ‎03-06-2007
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Re: Difficult Ones

[ Edited ]
WAMU if you have declared them or Providian in BK!!

Message Edited by dallasjetfan on 10-30-2007 07:51 AM
Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500
New Member
Posts: 11
Registered: ‎10-11-2007
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Re: Difficult Ones

The credit cards that are hard for me to get are discover of course, and also citi for me, the complain about my countless inquiries
Established Contributor
Posts: 673
Registered: ‎07-22-2007
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Re: Difficult Ones

Citi always states,paid or unpaid collection.. Which I do have 1 medical unpaid..Working on that now..
TU 662 EQ 644
EX 643
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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Re: Difficult Ones

For me it's Discover and AMEX. I've applied to both and got turned down by both. Chase comes in at # 3 on my list for some reason. And that's where I do alllllll my banking.

I think anyone with what I call "fatal baddies" can in no way get either one of those 2 cards.

When all 3 of my FICO scores exceed 720 on a consistent basis, then I might consider app'ing.












Never ever ever be late. Never
"Never ever, ever be late. Never" (FUTR)
Established Contributor
Posts: 501
Registered: ‎03-06-2007
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Re: Difficult Ones

What would be fatal "baddies"? BK, I am sure!
Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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Re: Difficult Ones

hi dallas! I'm in arlington. :smileyhappy:

Just my definition of fatal baddies: BK, Collection, Judgment, Tax Lien, Charge Off.

Fatal in the sense that any one of them can cause your scores into a serious nosedive. Not permanent, if taken care of.
"Never ever, ever be late. Never" (FUTR)
New Contributor
Posts: 112
Registered: ‎10-05-2007
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Re: Difficult Ones

For me it's AMEX.  I tried to get a Blue Card once but was declined.  I'm not sure of my scores then as it was years ago.  I haven't tried since.
Established Contributor
Posts: 673
Registered: ‎07-22-2007
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Re: Difficult Ones

yea...that Amex card is for the big leagues..I got denied too..Not there yet..:smileyhappy:
TU 662 EQ 644
EX 643
Super Contributor
Posts: 8,172
Registered: ‎03-25-2007
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Re: Difficult Ones

Not so long ago they were all difficult.
 
Now I can probably get anything that does not pull EX  :smileyvery-happy: (over 100 points lower than the others at this point in time)
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

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