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What CCC keeps DENYING you?

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chalupaman
Super Contributor

Re: What CCC keeps DENYING you?

Have also gotten denied by BoA in the past
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 21 of 132
JustinS
Regular Contributor

Re: What CCC keeps DENYING you?

So far BoA and anything FIA backed basically.

Message 22 of 132
killer_queen229
Established Contributor

Re: What CCC keeps DENYING you?

TD Bank (where I bank at) and Bank of America. Otherwise every company I've applied to has given me cards first time applying or rarely second time.

Message 23 of 132
pip3man
Valued Contributor

Re: What CCC keeps DENYING you?


@killer_queen229 wrote:

TD Bank (where I bank at) and Bank of America. Otherwise every company I've applied to has given me cards first time applying or rarely second time.


I bank with TD as well and have been with them for a few years... Honestly in my opinion their credit card division sucks, you really aren't missing anything. Though they were quite nice to extend me a measly $1k Easy Reward card, I think they shoulda done better considering my history with them. Things that other lenders do so easily like AutoPay, with TD u have to jump through hoops - fill out and sign a form then attach a copy of a voided check and mail it in, all just to enrol in AutoPay! They tell u they gon get back to u but nada! Ain't that crazy but oh well.....

Message 24 of 132
Rain77
Frequent Contributor

Re: What CCC keeps DENYING you?

Chase



Last HP 8/29/14

Message 25 of 132
Anonymous
Not applicable

EXRe: What CCC keeps DENYING you?

AMEX

Message 26 of 132
Anonymous
Not applicable

Re: What CCC keeps DENYING you?

Only USBank
Message 27 of 132
seflowers
Contributor

Re: What CCC keeps DENYING you?

Chase, applied last year and this year each time it was too many recent inquiries.

NFCU Cash Rewards 14,000 || NASA FCU 20,000 || Discover It 6000 || Amex Costco TE 4500 ||. Cap One QS 3000 || Sears 3000 || USAA Platinum Visa 2500 || HSN 3050 || Chase Slate 3500 || BarclayRewards MC 3300 || Barclay Apple 1300 || Home Depot 4900 || GE Havertys 1500 || J Crew 5400 || Amex Delta Gold 1000 || Loft 1710 || nordstrom 1500 ||. Macys 1500 || VS 2230 || Target 900 || Amazon 1300 || Belk 750
Gardening since 12-11-14 at least 1 year
Message 28 of 132
wacdenney
Valued Contributor

Re: What CCC keeps DENYING you?

For Chase a good strategy seems to be to start with a lower tiered card like Amazon.  They are quick to show you love on future apps once you get your foot in the door.

Message 29 of 132
PlasticOrPlastic
Established Contributor

Re: What CCC keeps DENYING you?

Where to start...Chase, Citi (except their BB card aparently), GE/Sync, and of course AMEX.  Almost a year of denials with these CCC.

Message 30 of 132
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