Credit Cards

[CredittotheMax]

I'm currently a full time student and I have a part time job thats makes 10k a year. I have a wells fargo college cash back card (3/12), Discover It (1/13), Citi Forward (12/12), and Capital One Journey (1/13). Do you guys think i have a chance of getting this card approved? 

[djrez4]

A chance?  Sure.  At the very least, wait until you have a year of history on the Wells Fargo card in March.

We could better tell you what that chance is if you give is a bit more info about your credit history.  Any derogatories?

[jsucool76]

Do you know your scores?

The UW criteria for their charge cards isn't all that strict. Your oldest card is almost a year old, i think they only look for 6 months, but im not entirely sure how those new accounts would fare.

[CredittotheMax]

My credit report is pretty clean, no late payments or collections. Only 20% usage and my dicover or cap one have not been reported yet. My transunion score is 703 pull by citi, also experian 717 from creditsesame, but the score I got from myfico is 679. I really want to start building a relationship with amex, I went ahead and applied, fingers cross. If denied, I'll just be a AU on my dad's gold card.

[ObeyJohnny12]

How did it go? Did you get approved?

The Amex Green was my first Amex card an i was instantly approved on Nov. 2012. My oldest account is only 1.5 years (wells fargo). I'm a part time student a well.

Im pretty sure you have a chance for approval.

[CredittotheMax]

Don't know yet because they pull the wrong report, but it is in processing status. Did you get approved when your oldest account was 1.5yrs?

[Repo-ed]

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CredittotheMax wrote:

Don't know yet because they pull the wrong report, but it is in processing status. Did you get approved when your oldest account was 1.5yrs?

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Pulled wrong report?

You live in California or have your EX frozen?

[ObeyJohnny12]

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CredittotheMax wrote:

Don't know yet because they pull the wrong report, but it is in processing status. Did you get approved when your oldest account was 1.5yrs?

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What do you mean by wrong report? Yeah it was instant approved. I applied for the zync twice (since i read it was an easy charge card to get) but i was denied both times so I was surprised to be approved for the green. 

[CredittotheMax]

Well, its a long story. Me and my sister has a very similar first name and our SS # is only a number differ. So, a lot of her info was put on my report: like car loan, student loan, many inquires, and many cards. I ended up calling experian to correct it, and Amex told me they will reprocess the app. 

[nicholasyud]

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CredittotheMax wrote:

Well, its a long story. Me and my sister has a very similar first name and our SS # is only a number differ. So, a lot of her info was put on my report: like car loan, student loan, many inquires, and many cards. I ended up calling experian to correct it, and Amex told me they will reprocess the app. 

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that's crazy

Me and my sister had a very similar first and same last name.

Our SSN almost the same only 1 number different but we never have anything mess up like that.

I would call up all credit bureau and get them fix all.