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Valued Contributor
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Registered: ‎01-09-2012
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Re: cash+?

[ Edited ]

So i was declined for the cash+ :smileysad: 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
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Re: cash+?


afbar1114 wrote:

So i was declined for the cash+ :smileysad: 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?




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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
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Re: cash+?

Valued Contributor
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Re: cash+?

49%


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
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Registered: ‎04-04-2013
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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.


Valued Contributor
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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
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Re: cash+?

Sorry to hear afbar :smileysad:



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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Re: cash+?

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