I'm planning to apply in a few months, but I have a few questions:
1) it seems that the primary reason for denial for the cc is too many inquiries or too many new accounts - what's the lowest number of new accounts / inquiries that someone has been rejected over? I've been reading numbers like 7 inquiries and 3 new accounts, which I feel is kind of high, but maybe that's just me
2) You request the credit limit on the cc? I've never applied for a cc where you request a specific limit. If they don't like you for the 20k, has someone applied for a high number and approved for a smaller one yet?
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
1) TBH, they are probably just looking for denial reasons because they've already lent a lot and don't know how to control it. I was approved for the max with 5 new accounts and 3 recent inquiries back in early Dec.
2) They determine the amount
Here is what the app asks for:
Middle Initial:
Address:
Is this your correct address? *
Marital Status: *
Residential Status: *
Time at Present Address: * years months
Is this your home or school address? *
Do you have a school address? *
Do you have a home address? *
Monthly Housing Payments: * $
Home Phone: * ( ) -
Mobile Phone: ( ) -
e-Mail Address:
Is this your correct email address? *
Citizenship Status: *
School Address Line 1: *
School Address Line 2:
School City: *
School State: *
School Zip Code: * +
Home Address Line 1: *
Home Address Line 2:
Home City: *
Home State: *
Home Zip Code: * +
Employment Status: *
Employer Name: *
Title / Position: *
Business Phone: * ( ) -
Salary: * $ (Salary – Annual Gross.)
Time with Present Employer: * years months
Future Start Date: * (mm/dd/yyyy)
Other Income for Applicant (annual gross):
Amount Source
$
Other Income Employer Name: *
Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered.
Monthly obligations for Alimony, Child Support or Other Court - Ordered Payments: $
Do you have a checking account? *
No Yes
Have you filed bankruptcy in the past 5 years?*
No Yes
Do you have any unsettled lawsuits or judgments for the business or any guarantor? *
No Yes
Are there any taxes past due for the business or any owner/partner? *
No Yes
Information for Government Monitoring Purposes
The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.
You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.
* I do not wish to furnish this information.
Ethnicity:
* Hispanic or Latino
* Not Hispanic or Latino
Race:
* American Indian or Alaska Native
* Asian
* Black or African American
* Native Hawaiian or Other Pacific Islander
* White
Sex:
* Female
* Male
Is this an individual or joint application? *
EQ Starting Score: 579 | TU Starting Score: 568
jaystay wrote:1) TBH, they are probably just looking for denial reasons because they've already lent a lot and don't know how to control it. I was approved for the max with 5 new accounts and 3 recent inquiries back in early Dec.
2) They determine the amount
Here is what the app asks for:
Middle Initial:
Address:
Is this your correct address? *
Marital Status: *
Residential Status: *
Time at Present Address: * years months
Is this your home or school address? *
Do you have a school address? *
Do you have a home address? *
Monthly Housing Payments: * $
Home Phone: * ( ) -
Mobile Phone: ( ) -
e-Mail Address:
Is this your correct email address? *
Citizenship Status: *
School Address Line 1: *
School Address Line 2:
School City: *
School State: *
School Zip Code: * +
Home Address Line 1: *
Home Address Line 2:
Home City: *
Home State: *
Home Zip Code: * +
Employment Status: *
Employer Name: *
Title / Position: *
Business Phone: * ( ) -
Salary: * $ (Salary – Annual Gross.)
Time with Present Employer: * years months
Future Start Date: * (mm/dd/yyyy)
Other Income for Applicant (annual gross):
Amount Source
$
Other Income Employer Name: *
Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered.
Monthly obligations for Alimony, Child Support or Other Court - Ordered Payments: $
Do you have a checking account? *
No Yes
Have you filed bankruptcy in the past 5 years?*
No Yes
Do you have any unsettled lawsuits or judgments for the business or any guarantor? *
No Yes
Are there any taxes past due for the business or any owner/partner? *
No Yes
Information for Government Monitoring Purposes
The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.
You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.
* I do not wish to furnish this information.
Ethnicity:
* Hispanic or Latino
* Not Hispanic or Latino
Race:
* American Indian or Alaska Native
* Asian
* Black or African American
* Native Hawaiian or Other Pacific Islander
* White
Sex:
* Female
* Male
Is this an individual or joint application? *
HOLY MOLY!!!! 
The only thing missing...
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