+1
Super Congrats Supervelous! That's a heck of a starting CL! 
Starting Score: 642
lots of debate.
i guess holding off on the amex bce sounds like a good idea cause of the backdate and recent app to AMEX. i guess ill apply for the chase in the future and see what happnes though. If i dont get it, not a big deal. im still super excited for the AMEX. and if i get turned down for the chase no harm.
also before i got my cap one cad. i applied for a TD card and they said de lined due to a limited history etc. and it said my score was like 0052, two months with the cap one card my score is in the 700's who knows. no idea how it got to where it was in a short time.
TD could have been using an internal score.
Keep us posted!
Keep us posted!
@09Lexie wrote:
TD could have been using an internal score.
Keep us posted!
TD is not an easy lender to crack either. They have some stringent underwriting for their cards. Their co-branded cards are a different story. I think you will do just fine with Chase Freedom and Discover It. I've had lots of luck coaching people through with building their profile with them. Discover likes to be the first and Freedom is the entry level card for Chase along with a few others. Good Luck!
so i applied for the bce and freedom.
got denied for the bce and the freedom requires further inquiry. i guess we shall see what happens wit that.
and now im done applying for a long long time.
call and say what exactly? im new to this remember
@cck5 wrote:call and say what exactly? im new to this remember
Hi,
I would like to check the status of my app
CSR ..I'm sorry denied
You...I would like to be reconsidered
Then answer any questions they may have ..be polite and friendly
Part 2 if needed
CSR....Denied
I really want to have a relationship with Chase would you be willing to start me at a lower rate so I can prove myself I'm also considering moving my banking accounts to Chase.
Good luck and go get em
+1
I don't think you are denied for the freedom. With your thin file- there will be a review. However- I think you would have done better to wait till the first of the year for the BCE. No worries though- it's only a SP. I think you should look into the Discover also. Let us know on the Freedom.
I don't think you are denied for the freedom. With your thin file- there will be a review. However- I think you would have done better to wait till the first of the year for the BCE. No worries though- it's only a SP. I think you should look into the Discover also. Let us know on the Freedom.