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cash+?

Valued Contributor

Re: cash+?

So i was declined for the cash+ Smiley Sad going to try a recon. 

 

UPDATE: no recon and declined due to DTI being to much and the CSR told me the pulled TU with a FICO score of 697...can that be? if so WOW that is a huge score for me!!!!!


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 31 of 47
Super Contributor

Re: cash+?


afbar1114 wrote:

So i was declined for the cash+ Smiley Sad going to try a recon. 

 

UPDATE: no recon and declined due to DTI being to much and the CSR told me the pulled TU with a FICO score of 697...can that be? if so WOW that is a huge score for me!!!!!


Sorry to hear, what were you given for reasons?




Message 32 of 47
Valued Contributor

Re: cash+?

Debt to income was to high and which TU fico do they use they said it was 697?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 33 of 47
Moderator Emerita

Re: cash+?

Message 34 of 47
Valued Contributor

Re: cash+?

49%


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 35 of 47
Senior Contributor

Re: cash+?

Well, I was declined on April 3rd, after applying in a US Bank. They gave me a $6500 CLI on a Cash Rewards Visa Platinum instead, and told me I should wait 4-5 months before asking to PC to the Cash+ card. They pulled Equifax of course, which was only 709 at the time. Well, you can see my entire credit journey in my signature, and see if you think your situation is better. I strongly suspect my short credit history was a problem in my case.

 

Since then I've applied for a Amex BCE which pulled TU and I was given $2000 CLI with best terms (12.99 APR). SO, I would definitely say that getting a Cash+ is rather difficult, at least in MY experience.





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 36 of 47
Valued Contributor

Re: cash+?

although i idnt get it. i am happy becasue 1. i got my TU FICO score 697 i had to call back just to ask again because i didnt think it was true. my highest score yet.!!!! 2. i would really like to pay down my UTL first before getting a new card and 3. i really would like an amex BCE/BCP. if i do the the amex bye bye BofA....


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 37 of 47
Mega Contributor

Re: cash+?

Sorry to hear afbar Smiley Sad



EQ FICO 548 3/3/16
Message 38 of 47
Super Contributor

Re: cash+?

Oh. Well at least you tried. I think you should be approved the next time if you can keep util down
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 39 of 47
Valued Contributor

Re: cash+?


enharu wrote:
Oh. Well at least you tried. I think you should be approved the next time if you can keep util down

yes thats if i apply..i shoulda just went for the BCE/BCP because if i didnt get it it would be no HP 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 40 of 47