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Established Contributor
killer_queen229
Posts: 600
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. :smileysad:


Valued Contributor
Burned2manybridgesB4
Posts: 1,635
Registered: ‎03-15-2012
0

Re: What are the chances..

How many cards aged since the last discover app?


Established Contributor
killer_queen229
Posts: 600
Registered: ‎08-29-2013
0

Re: What are the chances..

My newest accounts are 4 months old. 


Valued Contributor
Burned2manybridgesB4
Posts: 1,635
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.


Valued Contributor
lg8302ch
Posts: 2,659
Registered: ‎11-13-2012
0

Re: What are the chances..

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

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Established Contributor
killer_queen229
Posts: 600
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
Burned2manybridgesB4
Posts: 1,635
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 ...:smileyhappy:


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


Valued Contributor
Burned2manybridgesB4
Posts: 1,635
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.


Valued Contributor
FinStar
Posts: 5,156
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 ...:smileyhappy:


+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.

Valued Contributor
FinStar
Posts: 5,156
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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