Reply
Valued Member
Posts: 43
Registered: ‎08-01-2012
0

Re: What card should I go for?

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Regular Contributor
Posts: 216
Registered: ‎02-11-2012
0

Re: What card should I go for?

Im curious what your history is.... do you mean AAoA or just credit card history in general?



FICO: EX 662 | EQ 670 | TU 681
Valued Member
Posts: 43
Registered: ‎08-01-2012
0

Re: What card should I go for?

I posted my credit profile in my original post. In short they said I'm on the right path but I didn't have my revolving accounts (my two cap one cards) long enough yet. 

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Established Contributor
Posts: 500
Registered: ‎05-11-2007
0

Re: What card should I go for?


Vwaller72 wrote:

Thanks MF. I don't think I can go NFCU since I'm a veteran not active duty but I do think I can go USAA. I'm wondering if I don't have a chance for a better CL with USAA than Chase.


I agree with you on usaa. You can go to thier website and join. It is painless and their cust service is very helpful and friendly.
New Member
Posts: 15
Registered: ‎03-11-2013
0

Re: What card should I go for?

Are you going to apply for any other cards before the inquiry hits your report?

Valued Member
Posts: 43
Registered: ‎08-01-2012
0

Re: What card should I go for?

I tried Discover IT. Same results. I don't want to rack up a bunch of INQ so unless someone has an idea for something they feel good I'll be approved for I plan to sit on what I have for a while. :smileywink:

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: What card should I go for?


Vwaller72 wrote:

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....


Recon again... 

Try at least 2 more times before giving up... mention your long employement history, ability to save, etc...


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: What card should I go for?

Other than than those, Maybe try Amex Green.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Blogger
Posts: 3,330
Registered: ‎10-19-2012
0

Re: What card should I go for?


webhopper wrote:

Vwaller72 wrote:

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....


Recon again... 

Try at least 2 more times before giving up... mention your long employement history, ability to save, etc...


+1

 

If that fails, try 3 more times! :smileylol:

 

Then do the same thing for Discover It ...

 

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: What card should I go for?

I would try to recon with Chase a couple more times. There has been someone here that did get approved on the 3rd try. If that fails, sit tight for 6 months and then try again.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.