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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

JCPenney CLI Request.....

Was declined....

 

Asked why and the lady goes into well you've opened 12 accts in the past year and you look "Desparete" for credit, and im relying on credit to get by. . I have a 0 balance with most of my cards and the one that is maxed out is payed off and closed (i know i should have let it update).

 

I felt insulted today. desparete for credit to me is having alot of maxed out accounts.

 

Garden mode. Stat.

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
0

Re: JCPenney CLI Request.....

Rude and poor choice of wording, she should've said "you are aggressively seeking new credit" which is a much nicer way to put it.

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: JCPenney CLI Request.....


mxp114 wrote:

Rude and poor choice of wording, she should've said "you are aggressively seeking new credit" which is a much nicer way to put it.


That's fine, JCP will see how desparete I am for credit when they see their card sitting at a $0 balance for 8-12 months. I need to let ALL of my accts. age, including theirs.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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