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Regular Contributor
Posts: 207
Registered: ‎10-26-2007
0

What Gives?

I applied for a HouseBank Card for the Roomstore in July & was denied.  The letter didn't give a specific reason.  I have an Orchard cc w/them that I've had for close to 2 years, never been late & always carry a balance.  I was also approved recently (Sept) for a Best By Reward Zone Mastercard in October which I also know is under HSBC.  So, I'm wondering y I can get Best Buy but not the RoomStore & their customer service is no help.  Has anyone had this happen where you're approced for one but not the other?

Epic Contributor
Posts: 22,695
Registered: ‎10-23-2007
0

Re: What Gives?

 


ABattle wrote:

I applied for a HouseBank Card for the Roomstore in July & was denied.  The letter didn't give a specific reason.  I have an Orchard cc w/them that I've had for close to 2 years, never been late & always carry a balance.  I was also approved recently (Sept) for a Best By Reward Zone Mastercard in October which I also know is under HSBC.  So, I'm wondering y I can get Best Buy but not the RoomStore & their customer service is no help.  Has anyone had this happen where you're approced for one but not the other?


 

I'm not completely sure since I don't know what Roomstore is but wouldn't you need over 1k cl to make any use of it?  The underwriting for it is probably much harder than Orchard and Best Buy MC which people have been known to get approved in the high 400's to low 500's credit.

Do you have a current Fico score from EQ?

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:

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