Posts: 83
Registered: ‎06-13-2012
Re: Applied and keep getting denied! Score 679 Help please
[ Edited ]

You make $1600 a year and you're wondering why your credit card applications are declined; are you serious?  Besides having an extremely thin credit profile, you don't make enough money to demonstrate the ability to repay your current debt plus an unsecured credit line.  You need to be less aggressive with the apps and keep making your payments on-time to the creditors you have now.  Once you graduate and have a job that pays something more in-line with $1600 bi-weekly you'll receive all sorts of credit card offers.  You'll be an excellent risk for them and you'll probably have your pick of some of the best cards out there.

TU 743 as of 5/12
EQ 715 as of 10/13
EX Plus 780 as of 7/12

Cards in wallet: Chase Sapphire Preferred ($25k) Chase Freedom (8k) NFCU Platinum ($24k) HHonors Reserve ($11k)
United MileagePlus Club ($17k)