JCB denial

[weeehooo]

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

[09Lexie]

How many inq's? What was your util at the time of app?

[weeehooo]

10 HPs and 7% util. 

[enharu]

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@weeehooo wrote:

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

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Definitely try again in the future.

They're very conservative so this denial isn't too surprising.

[FinStar]

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@enharu wrote:

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@weeehooo wrote:

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

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Definitely try again in the future.

They're very conservative so this denial isn't too surprising.

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+1

Reconsideration efforts are futile/non-existent with JCB - they pretty much stand by their initial decision.

[SunriseEarth]

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@enharu wrote:

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@weeehooo wrote:

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

---

Definitely try again in the future.

They're very conservative so this denial isn't too surprising.

---

+1    

I tried for them a very long time ago, long before my BK or any baddies, and when pretty much every major CC in my wallet had a CL of $5K+.  Denied.  

[nyancat]

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@SunriseEarth wrote:

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@enharu wrote:

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@weeehooo wrote:

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

---

Definitely try again in the future.

They're very conservative so this denial isn't too surprising.

---

+1    

I tried for them a very long time ago, long before my BK or any baddies, and when pretty much every major CC in my wallet had a CL of $5K+.  Denied.  

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With no offense, obviously their risk model recognised something nobody else's did and was more accurate. They made the right choice. I wish we had Marukai and JCB in my state (mostly because I really want a Marukai!), but I sure know I would try VERY hard before I applied for their JCB card to look as good as possible, LOL.

[weeehooo]

I will garden for a year or more and try again.  Next time i will make sure all those issues are corrected on my CR

[SunriseEarth]

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@nyancat wrote:

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@SunriseEarth wrote:

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@enharu wrote:

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@weeehooo wrote:

To many iniquiries last 6 months, time since delinquency too recent or unknown, length of time accounts have been established too short or unknown, relationship of balance to high on credit on bank.  showed EX 698

Well that is true, i did go on an app spree and signed up for 6-7 new cards and this was the last.  Bummer!  Did not provide a recon phone number.  Had a collection that just popped up from 2 years ago, that was paid 2 years ago and will be removed from my credit report in a week by the credit reporting agency.  And i refinanced my house in May and it still does not show up on my CR.  Plus just paid a high balance credit card in full that has not shown up yet.  Bummer!

Maybe i should try again in a year?

that 3% sure sounds sweet!

---

Definitely try again in the future.

They're very conservative so this denial isn't too surprising.

---

+1    

I tried for them a very long time ago, long before my BK or any baddies, and when pretty much every major CC in my wallet had a CL of $5K+.  Denied.  

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With no offense, obviously their risk model recognised something nobody else's did and was more accurate. They made the right choice. I wish we had Marukai and JCB in my state (mostly because I really want a Marukai!), but I sure know I would try VERY hard before I applied for their JCB card to look as good as possible, LOL.

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Heheh...no offense taken.  :-)   Amex didn't want to budge on CLIs and JCB didn't want to approve.  And look what happened to me!   LOL