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The Black Card

Epic Contributor

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! 

Message 1 of 7
6 REPLIES
Valued Contributor

Re: The Black Card


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
FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 2 of 7
Super Contributor

Re: The Black Card

Which Black card did you apply for? Amex?
Message 3 of 7
Senior Contributor

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!  Smiley Very Happy


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 4 of 7
Epic Contributor

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! 

Message 5 of 7
Super Contributor

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?
Message 6 of 7
Epic Contributor

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. 

Message 7 of 7