Reply
Frequent Contributor
Posts: 374
Registered: ‎02-10-2013
0

Re: is the 6th time a charm?

Let us know if you're approved!
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: is the 6th time a charm?

declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
0

Re: is the 6th time a charm?


swpopham wrote:

declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click


1/26/13 wow that ridiculous....sorry 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: is the 6th time a charm?


myjourney wrote:

swpopham wrote:

declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click


1/26/13 wow that ridiculous....sorry 


oh well try again next month lol!

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: is the 6th time a charm?

Frequent Contributor
Posts: 374
Registered: ‎02-10-2013
0

Re: is the 6th time a charm?

Interesting. I apped for the BCE and was denied with a Trans score of 713. So I waited 5 months apped for Blue card (NOT BCE) and was approved! Then I did a PC to the BCE immediately via CS.

Maybe you could do what I did and ap for the Blue card first then PC to BCP? Or maybe you can only PC to BCE since its a no annual fee card...
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
0

Re: is the 6th time a charm?


swpopham wrote:

myjourney wrote:

swpopham wrote:

declined, she said they went off a soft pull from 1/26/13 and the reasons listed on feb,march,april and now mays decline are the same. We wont pull a hard inquiry because we have a soft on file.... mam its 4+months old. reply: oh well, you have a great card with us and we encourge you to use it more.... ummmm I put 11.5k in april and pif and im at 7k for this month. She said im sure you will get approved eveuntualy but your score is a 696 and its to low for us. K thanks good bye.....click


1/26/13 wow that ridiculous....sorry 


oh well try again next month lol!


The good news is its all SP's so you are not hurt by them at all....

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: is the 6th time a charm?

Since I never give up I called the EO today and explained that my report has been frozed and asked her to send it over to the review team. She thanked me and said they would be in contact in the next 24-72 hours

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: is the 6th time a charm?

New Member
Posts: 120
Registered: ‎05-14-2013
0

Re: is the 6th time a charm?

I say call AGAIN and when they say no call AGAIN! keep riding them until they finally cave!!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.