No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hey there,
I used to be prequalified for most of the cards. I am looking for a new credit card but I am afraid to apply for it anywhere because I am afraid It will be denied and it will just hurt my credit... My current scores are:
753
753
741 (experian)
My credit cards:
Chase Sapphire 300/9000
My wife got me a card for her Chase Sapphire 0/8000
Capital One 0/500
Syncrony 0/4000 ( It was a sleep expert bed but payed it back already)
Bealls 0/300
Best Buy 2500/3500.
I try to get a Venture card from Capital One or a BCE from Amex but I am not prequalified anymore like I used to be with them.
Is my credit score that bad? Or anyone have any idea what happened?
I received most of the cards this year except the Capital One by the way.
Thanks for the help!
OP, when you say you aren't getting pre-qualified offers currently, are you talking about in your snail mailbox or when you go to CC web sites and search for offers? Or both? My scores are very similar to yours at 749/763/750 and I currently get nothing in my mailbox and haven't since my scores got above about 710-720 maybe 6 months back. Prior to that, I was getting offers in the mail at least a few times a week. My girlfriend has scores in the 700-710 range and gets an offer in the mailbox just about every day... mostly Discover, CO, Chase, BoA, WF, Citi. If I go to CC web sites though and search for offers, I have pre-quals everywhere, even with Chase when I'm sitting at 7/24 currently.
I don't receive them anymore online. Anyway, I just applied for a Capital One Venture and did not get instant approval. They asked 7-10 days to review my application. I hope I can still get it.
@gkinter wrote:Hey there,
I used to be prequalified for most of the cards. I am looking for a new credit card but I am afraid to apply for it anywhere because I am afraid It will be denied and it will just hurt my credit... My current scores are:
753
753
741 (experian)
My credit cards:
Chase Sapphire 300/9000
My wife got me a card for her Chase Sapphire 0/8000
Capital One 0/500
Syncrony 0/4000 ( It was a sleep expert bed but payed it back already)
Bealls 0/300
Best Buy 2500/3500.
I try to get a Venture card from Capital One or a BCE from Amex but I am not prequalified anymore like I used to be with them.
Is my credit score that bad? Or anyone have any idea what happened?
I received most of the cards this year except the Capital One by the way.
Thanks for the help!
I still get ONLY credit one card invites LMAO
I only get credit one and the capital one special card for people with poor credit prequalified in the mail!
I really don't understand it... I have prime cards as is....
You overall utilization may be at 11% but your one account with BestBuy is at a high 71% and this could triggering your denial. I've read generally that each individual account should be under 30% utilization to increase your chances for solid prequalifies.
I may be completely incorrect, this is only a theory. 👍
@gkinter wrote:Hey there,
I used to be prequalified for most of the cards. I am looking for a new credit card but I am afraid to apply for it anywhere because I am afraid It will be denied and it will just hurt my credit... My current scores are:
753
753
741 (experian)
My credit cards:
Chase Sapphire 300/9000
My wife got me a card for her Chase Sapphire 0/8000
Capital One 0/500
Syncrony 0/4000 ( It was a sleep expert bed but payed it back already)
Bealls 0/300
Best Buy 2500/3500.
I try to get a Venture card from Capital One or a BCE from Amex but I am not prequalified anymore like I used to be with them.
Is my credit score that bad? Or anyone have any idea what happened?
I received most of the cards this year except the Capital One by the way.
Thanks for the help!
I used to get pre-qual for Chase cards but not anymore.