Reply
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: What bank you can't get your foot in the door with


mross1080 wrote:

concorduser wrote:
It is Barclays for me, last 4 years I could not get any thing.

You try the recon number? I've had great luck with that!


Yep. I tried few times and never worked.  I just gave up. It is not worth the aggrevation.

 

Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: What bank you can't get your foot in the door with

For me its target. I applied before I got some negatives removed though. I'm sure if I reapplied I could get in but now I don't know if I want a target card. Poor credit lines ...

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
0

Re: What bank you can't get your foot in the door with

I think allot of times it depends on what underwriter see's your report an what kind of mood their in.


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
Frequent Contributor
Posts: 253
Registered: ‎09-01-2009
0

Re: What bank you can't get your foot in the door with

In the past, before the internet and myfico.com, and before understanding credit gardening I could never get my foot in the door with Citibank. But it's a new day, I've been gardening like crazy and reaping whatever rewards come my way. Sometime next year I'm going to take another crack at Citibank because at this point I just want a credit card from them just for the conquest and not even use it. :smileywink:

Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010
0

Re: What bank you can't get your foot in the door with

Citi and Bank of America. I cant even get a secured with Bank of America. I havent tried to get a secured card through Citi yet, but I'm not going to even try. I have a feeling I can get into Chase next year once all my EX inquiries aged for a year, that is the only reason I got denied for on two diff times now.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Established Contributor
Posts: 683
Registered: ‎04-05-2008
0

Re: What bank you can't get your foot in the door with

 


FicoScore626 wrote:

In the past, before the internet and myfico.com, and before understanding credit gardening I could never get my foot in the door with Citibank. But it's a new day, I've been gardening like crazy and reaping whatever rewards come my way. Sometime next year I'm going to take another crack at Citibank because at this point I just want a credit card from them just for the conquest and not even use it. :smileywink:


 

Then what good is the conquest if you don't use it?  Come on, you gotta put at least a pack of gum on it every month.  LOL. 

 

Isn't it something though, how back in the day we had no idea what criteria lenders looked for when approving CC apps?  I am grateful for the information and the knowledge though.  And Bank of America would probably throw me a dingy fish net and two herring if I even "thought" about applying with them.  Things went sour some years back and from what I hear, they NEVER forgive!!


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Established Contributor
Posts: 683
Registered: ‎04-05-2008
0

Re: What bank you can't get your foot in the door with

 


concorduser wrote:

mross1080 wrote:

concorduser wrote:
It is Barclays for me, last 4 years I could not get any thing.

You try the recon number? I've had great luck with that!


Yep. I tried few times and never worked.  I just gave up. It is not worth the aggrevation.

 


It is assumed that Barclay's CCs are easy CCs to get.  I know first hand that-that is not true.  They denied me a couple of years ago too.  Thankfully, I finally got in with their AmEx.  Still can't believe they have denied you for 4 years though.  Did you hit the VP's parked car and flee the scene?  j/k  :-)

 


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: What bank you can't get your foot in the door with

Bank of America and Discover. 

 

I have had a BOA account for almost six years now.  In fact, I have three acounts with them.  I had a $10k secured card for 15 months with them that never graduated.  They denied me a card a couple of weeks ago.  I honestly think it's because of an extremely old, and FALSE, student loan entry on my CRs that  is supposedly from BOA/Chela.

 

Discover denied me recently, again, for "either currently having or have had a Discover card."  I had one back in the day and it makes me wonder if they blacklist?  It was a paid chargeoff years ago that I don't even think is on my CRs anymore (have to check again).

 

:smileymad:

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Established Member
Posts: 61
Registered: ‎07-14-2010
0

Re: What bank you can't get your foot in the door with

I think all companies blacklist, even if it was a case of identity theft. I recommend a CU card in yor local area.


Starting Score: TU:636 EQ:592
Current Score: TU:709 EQ:637 EX:706 (PSECU)
Goal Score: TU:790EQ:760 EX: 774

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 321
Registered: ‎10-25-2009
0

Re: What bank you can't get your foot in the door with

Up until a few months ago, it was U.S. Bank.

 

I went from getting denied with them in the beginning of 2010 (short overall credit history) to being approved for a combined total, across three accounts, of $53,000 in credit products. 

 

Not complaining now, lol.

Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.