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Established Contributor
Posts: 881
Registered: ‎08-29-2013
0

What are the chances..

If I break through the cracks and apply for a card. What are the chances I'd get approved? Like such as the Chase Freedom card I've been wanting, or trying Discover IT again even though they denied me in the Summer due to "limited credit history". I just want to reward myself. Smiley Sad

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
0

Re: What are the chances..

How many cards aged since the last discover app?

Established Contributor
Posts: 881
Registered: ‎08-29-2013
0

Re: What are the chances..

My newest accounts are 4 months old. 

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
0

Re: What are the chances..

How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.

Community Leader
Senior Contributor
Posts: 5,488
Registered: ‎11-13-2012
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Re: What are the chances..

My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...Smiley Happy

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....Last HP 01 NOV 2016...............
Established Contributor
Posts: 881
Registered: ‎08-29-2013
0

Re: What are the chances..


Burned2manybridgesB4 wrote:

How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.


Secured Visa card active since March 2013.

TJ Rewards store card active since July 2013.

Old Navy store card active since July or August 2013.

Capital One Mastercard active since August 2013.

Kohls store card active since August 2013. 

 

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August. 

 

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
0

Re: What are the chances..


lg8302ch wrote:

My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...Smiley Happy


Guessing you're the angel on one side, and I'll be the devil on the other.Smiley Tongue

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
0

Re: What are the chances..


killer_queen229 wrote:

Burned2manybridgesB4 wrote:

How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.


Secured Visa card active since March 2013.

TJ Rewards store card active since July 2013.

Old Navy store card active since July or August 2013.

Capital One Mastercard active since August 2013.

Kohls store card active since August 2013. 

 

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August. 

 


Too many "recently opened," so I'd guess if approved at all, it'd be patheticly low limit.

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: What are the chances..


lg8302ch wrote:

My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...Smiley Happy


+1

 

Chances are slim at best.  It almost sounds like you want reassurance on this.  And, as another poster mentioned, if approved...key word being *if* it will likely result in a very low CL.

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: What are the chances..


Burned2manybridgesB4 wrote:

killer_queen229 wrote:

Burned2manybridgesB4 wrote:

How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.


Secured Visa card active since March 2013.

TJ Rewards store card active since July 2013.

Old Navy store card active since July or August 2013.

Capital One Mastercard active since August 2013.

Kohls store card active since August 2013. 

 

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August. 

 


Too many "recently opened," so I'd guess if approved at all, it'd be patheticly low limit.


+1

Bingo.

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