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Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

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?




Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Moderator
09Lexie
Posts: 24,453
Registered: ‎09-13-2012

Re: cash+?

Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

Re: cash+?

49%


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
Themanwhocan
Posts: 1,315
Registered: ‎04-04-2013

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
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: cash+?

Sorry to hear afbar :smileysad:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

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).
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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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