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Turned down for Secured CC

Frequent Contributor

Turned down for Secured CC

I applied for a secured CC with $300 opening deposit and I was turned down! I thought you couldn't get turned down with a secured CC application, whats going on?
Message 1 of 20
19 REPLIES
Regular Contributor

Re: Turned down for Secured CC

Turned down for a 300 dollar secured card?  What did they think you were going to do - run away to Mexico on that?  Sheesh! Smiley Mad
Message 2 of 20
Valued Contributor

Re: Turned down for Secured CC



MsQueenB wrote:
Turned down for a 300 dollar secured card?  What did they think you were going to do - run away to Mexico on that?  Sheesh! Smiley Mad


Right what card was it for?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 3 of 20
Valued Contributor

Re: Turned down for Secured CC

BOA did the same thing to me and I have a checking account with them!! Waiting on the letter to see what the problem is.
CURRENT SCORES: TU: 641 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 7/2/15

Message 4 of 20
Valued Contributor

Re: Turned down for Secured CC



robertkinder wrote:
BOA did the same thing to me and I have a checking account with them!! Waiting on the letter to see what the problem is.


Make sure u let us know the reason after you get your letter.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 5 of 20
Regular Contributor

Re: Turned down for Secured CC

In my opinion Orchard is very easy to get.

Might want to try that one.
Message 6 of 20
Frequent Contributor

Re: Turned down for Secured CC

It was with Wells Fargo and I have a checking account with them too!  It's messed up.
Message 7 of 20
Established Contributor

Re: Turned down for Secured CC

I just recently applied for a BofA $300 secured. With a savings of over 3k, I wouldn't think they would turn me down, but I haven't heard anything yet and I applied yesterday. :-(
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 8 of 20
Established Contributor

Re: Turned down for Secured CC

what was the reason they denied you? BK? i got the WF secured card with a 505fico. im anxiously awaiting to see if they upgrade my account to platinum and refund my deposit as promised.
Message 9 of 20
Frequent Contributor

Re: Turned down for Secured CC

I considered BK, but decided to work through all my 23 collection accounts myself.  My fico scores are Eq-476-which just went up yesterday 21 points, Tu-554, Ex-529, I don't know why but once I get my letter in the mail I'm goint to contact them.
Message 10 of 20