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Jcpenney denial

Member

Jcpenney denial

I have rebuilt my score from 518 to 667 over the past two years, I applied for a Jcpenney card and got denied. Does anyone know what their minimum is? I have only 2 accounts on my report that are bad- and they are both one 30 day late. No repossessions, bankruptcies, etc.

What gives?


Starting Score: 600
Current Score: 665
Goal Score: 850


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Message 1 of 3
2 REPLIES
Senior Contributor

Re: Jcpenney denial

That's so weird.  JCP was my first card after bk and I'm certain my scores were in the 500's back then when they gave me the card.

 

I think sometimes it helps to apply at the register vs. online.  Maybe??

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 2 of 3
Senior Contributor

Re: Jcpenney denial

Welcome to the forums,

 

CC are not approved by credit scores alone.Your score maybe ok with JCPenneys,they may had an issue with employment,income.etc.

IME,  I received a letter stating the reason why I was denied.

 

Some letters will give you a reason, while others tell you to pull your CR's.

 

Contact JC penneys and ask if they will reconsider, and if they says no, ask why.

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
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