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Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

The Black Card

Declined. because of chapter 13 still being open... neat that's the first time they have mentioned that, before they just told me better score and established credit... so wasted inq x 3!

and no I did not want to pay the annual fee for the black card but I thought it might help me get approved if I'm saying I'm willing to pay such a stupid fee! 

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
Imhotrodcrazy
Posts: 1,385
Registered: ‎03-11-2009

Re: The Black Card

[ Edited ]

Creditaddict wrote:

Declined. because of chapter 13 still being open... neat that's the first time they have mentioned that, before they just told me better score and established credit... so wasted inq x 3!

and no I did not want to pay the annual fee for the black card but I thought it might help me get approved if I'm saying I'm willing to pay such a stupid fee! 


 

When I saw what they wanted for the AF I read it twice because I thought I was seeing double.  Can you believe that they would have the nerve to ask for that kind of an AF.  In my mind, if a person can "afford" that kind of a fee, they really don't need any credit, because they have enough money already.  I commend you for trying, but it was quite a cost at 3 inq's. 
Message Edited by Imhotrodcrazy on 06-10-2009 03:50 PM
FICOS
TU 802 7/11/14
EX 797 7/6/14
EQ 748 7/10/14

Cash+ 19.5 / Amex 16.5 / US Bank loc 15k / Chase Freedom 10.6k
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: The Black Card

Which Black card did you apply for? Amex?
Senior Contributor
BungalowMo
Posts: 4,235
Registered: ‎05-01-2008

Re: The Black Card

Creditaddict.....While I don't have advice for you, I have to tell you that I live your sig line...cracks me up!  :smileyvery-happy:


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

Re: The Black Card

www.theblackcard.com concord.

the stupid black card!

 

I need 100k more purchases a year to meet the black amex requirements or I SO WOULD! 

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: The Black Card

This is issued by Barclays. I thought they are very stingy to get approved with. What CRA did they pull for you? What is the reason they gave for decline?
Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

Re: The Black Card

TU

Chapter 13 still being open

but she said even if that had been closed I had WAY to many INQ. 13.

I argued INQ and rebuilding credit... I have choice words but ill leave it at that. 

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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