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TU Score 646 applied for Juni (Carnvial )

Regular Contributor

TU Score 646 applied for Juni (Carnvial )

Do I have a shot? I know you guys have app'd for this card but I got a 10-day message with a decision pending last night. Please share your insight, if any...
 
Thanks
~~~
Transunion 652 | 3/27/09-677 | 5/20-09 -683
Equifax 4/21/08 -609 | 5/4/08-632 | 12/26-08- 651 | 5/5/09 - 652
Experian 4/16/08- 613 | 11/08 - 646 | 3/27/09-673
~~~
Message 1 of 8
7 REPLIES
Senior Contributor

Re: TU Score 646 applied for Juni (Carnvial )

I would say you will probably be approved. I got the SeaMiles card with a TU of 610.

CL was $500.
Here we go again...
Message 2 of 8
Moderator Emeritus

Re: TU Score 646 applied for Juni (Carnvial )

I had a TU of 641 when I was approved for $400 last September. The decision was instant and was able to set up my account online immediately.
 
I've also read of people receiving the 7-10 message and still getting approved.
Message 3 of 8
Regular Contributor

Re: TU Score 646 applied for Juni (Carnvial )

Seems like the problem is not the initial approval but trying for more than one junny card type. Thats my dilema, cant get past the one and they give various reason why I cant have one. The most dreaded one is the "Sufficent credit on the juniper..." amoung other things...
Like Gemb I give up...
Message 4 of 8
Established Contributor

Re: TU Score 646 applied for Juni (Carnvial )

EVERY type has declined me!!!
 
 
Raise,
 
Whenever I get a message like that, I call ASAP.  Often, the decision has already been made.  If there are any problems, maybe you can clarify things right then and get approved.
 
 


Message Edited by Changingmantra on 05-12-2008 06:29 AM
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Message 5 of 8
Regular Contributor

Re: TU Score 646 applied for Juni (Carnvial )

Thanks for the responses. I called this morning and they said that it was not in the system yet and if approve look for something in the mail within the next ten days.
So looks like the waiting game again...
~~~
Transunion 652 | 3/27/09-677 | 5/20-09 -683
Equifax 4/21/08 -609 | 5/4/08-632 | 12/26-08- 651 | 5/5/09 - 652
Experian 4/16/08- 613 | 11/08 - 646 | 3/27/09-673
~~~
Message 6 of 8
Moderator Emeritus

Re: TU Score 646 applied for Juni (Carnvial )



ash4557 wrote:
Seems like the problem is not the initial approval but trying for more than one junny card type.


Very true too. They don't like you to have more than one card. I was turned down for the I-tunes and one of their biz cards (USAir) for the reason that I had SeaMiles already.
Message 7 of 8
Highlighted
Contributor

Re: TU Score 646 applied for Juni (Carnvial )

I was approved in March with a TU score of 627.
I got the message as well. You'll more than likely get it. Not too bad I must say.
My CL is $1300.00 (my highest so far)
 
 
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Message 8 of 8