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Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Difficult Ones

Wouldn't it be nice to have a sticky up top, cross-listing, ccc's and the CRA's they pull on considering someone for a cc? Kind of like what we have for common abbreviations?

Of course, there's always: http://www.whogavemecredit.com/index.php?page=search.php

But I find that so unwieldy.

Oh well, just a thought.
"Never ever, ever be late. Never" (FUTR)
Established Contributor
bren39
Posts: 673
Registered: ‎07-22-2007
0

Re: Difficult Ones

Sylvia over on CreditBoards they have a credit data base thats totally rich with what scores, the city, why it wasnt approved in more instances and etc...It is great...
 
 
TU 662 EQ 644
EX 643
Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Difficult Ones

Oh cool bren! Thanks! Think I'll toodle on over there to scope it out. :smileyhappy:
"Never ever, ever be late. Never" (FUTR)
Established Contributor
Anderson
Posts: 716
Registered: ‎06-03-2007
0

Re: Difficult Ones

Approved-
CCCU
AmEx Blue
 
Declined-
Citi
 
So, guess Citi is the tough nut to crack for me
Moderator Emeritus
fused
Posts: 16,351
Registered: ‎03-12-2007
0

Re: Difficult Ones

As some of you know by now, Amex and it also seems Discover, are allowing the non super-prime to get their foot in the door. Same with BoA, HSBC, WAMU and even Chase. You don't have to have scores over 700 to get a card with any of these five CCCs. IMO, these are the hardest approvals as a whole by CCCs (why am I doing this).
 
Simmons
Pulaski (wonder why, when was the last time anyone posted about Pulaski, same for Simmons)
Discover
Amex, CITI (tie)
BoA
Chase
 
 
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: Difficult Ones

[ Edited ]
According to WGMC.com, Discover, US Bank and Fleet are the toughies


Message Edited by MidnightVoice on 10-31-2007 03:02 PM
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
Established Contributor
bren39
Posts: 673
Registered: ‎07-22-2007
0

Re: Difficult Ones



fused wrote:
As some of you know by now, Amex and it also seems Discover, are allowing the non super-prime to get their foot in the door. Same with BoA, HSBC, WAMU and even Chase. You don't have to have scores over 700 to get a card with any of these five CCCs. IMO, these are the hardest approvals as a whole by CCCs (why am I doing this).
 
Simmons
Pulaski (wonder why, when was the last time anyone posted about Pulaski, same for Simmons)
Discover
Amex, CITI (tie)
BoA
Chase
 
 
Wouldn't  even think of these til Im at least almost 800 club.....except Citi....of course...
 



TU 662 EQ 644
EX 643
Frequent Contributor
dallasjetfan
Posts: 467
Registered: ‎03-06-2007
0

Re: Difficult Ones

AMEX if you have a BK on your credit is a definite NO!
Barclays US Air $15K| TTCU $13K| Chase Slate $10K| CapOne $6500|
Citi Simplicity $6100| Discover IT $6K| AMEX $3500
Regular Contributor
Cooneyca
Posts: 140
Registered: ‎08-10-2007
0

Re: Difficult Ones

Is Fleet still around as a bank?  I was with Fleet (east cost: NY/NJ) but it was bought out and converted to a BoA at least three years ago.  In fact it was a different bank before Fleet bought that one out, but the name escapes me.. National something I believe. 

MidnightVoice wrote:
According to WGMC.com, Discover, US Bank and Fleet are the toughies


Message Edited by MidnightVoice on 10-31-2007 03:02 PM


Jan 07: tu 498, ex 501, eq 504
Oct 07: tu 716, ex 712, eq 723
Nov 07: tu 693, ex 664, eq 672_post app frenzy
Member
shalaunda
Posts: 6
Registered: ‎08-02-2007
0

Re: Difficult Ones

I recently got Amex, WaMu and Chase. I'm waiting to see what Citi says, but the hardest card for me to get is (don't laugh!) USAA Mastercard. The reason being is that I have a couple of late payments from a year and half ago, but they gave me a $50,000 car loan! They really do care about payment history. As for Discover, I haven't even attempted to apply for that card. Applying for that would be like pulling the trigger myself!!! Lol! TU-636 EQ-635 EX-636

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