topic Re: pls help i am disapprove for any cc I apply in Credit Card Applications

help chase disaproval

Anonymous — Wed, 10 Feb 2016 01:50:17 GMT

i appliedd for the chase freedom card was decline they say 390 score, how much is need for approve

Re: help chase disaproval

Bankrupt2019 — Wed, 10 Feb 2016 01:54:12 GMT

I'm going to say over 650

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 01:55:32 GMT

this only is 200 more why they dont make an exception i am a good guy you know

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 02:14:43 GMT

Ummm yeah, they are not just going to make an exception and it doesn't matter if you're a good guy or not.

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 02:26:41 GMT

what if i call them i am disperate for a credit card for the rental car sense mine is unreliable would that work

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 02:29:53 GMT

390 score? With that score you probably wouldn't get approved for a pack of gum. Being a good guy means nothing in the Credit Card world. Get your scores atleast to the mid 600s and then re-apply....Good luck

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 02:32:09 GMT

hey my frien i know 390 is the bad score but i cannot help as a poor emigrant from Israel

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 02:33:32 GMT

Have to agree with andykin on this. You could be the nicest person in the world and with a score in the 300's, not going to get approved for anything.

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 03:00:03 GMT

I think some chains are being yanked.

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 03:36:21 GMT

Yeah sounds like it, but it's kind of fun to play along for a bit.

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 03:49:45 GMT

Your score can really go as low as 390? Even when my credit was trashed and riddled with charge offs and collections back in the day I don't think I ever saw it go that low lol

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 04:21:26 GMT

Yes a 390 fico is possible and the op could have honestly been seeking advice. Be more respectful!

Myfico Thread: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Score-390-OMG-Please-help-me-help-my-mother-rebuild-her/td-p/2234935

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 04:46:55 GMT

I regret it is hard of belief but the poor credit is truth and live life as such and just want the credit card for client protections

pls help i am disapprove for any cc I apply

Anonymous — Wed, 10 Feb 2016 05:00:01 GMT

little backstory i move here from Israel some years ago never need credit barrow but am lately in poor finances due on family happenings,

i go to start for apply on many different banks chase citi capatal one even premiere first bank and all are disapprovel come back with low score on letter from 390 to 465 any suggestives?

Re: help chase disaproval

Anonymous — Wed, 10 Feb 2016 05:01:57 GMT

why you play I am serious want credit from the chase bank.

Re: pls help i am disapprove for any cc I apply

Chris679 — Wed, 10 Feb 2016 05:04:55 GMT

Step 1: go to annualcreditreport.com for free copies of all three of your credit reports.

Step 2: head over to the rebuilding your credit forum here on myFico for help bringing your scores up.

Re: pls help i am disapprove for any cc I apply

Bankrupt2019 — Wed, 10 Feb 2016 05:05:55 GMT

I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.

Re: pls help i am disapprove for any cc I apply

ddemari — Wed, 10 Feb 2016 05:18:12 GMT

Op you need to get a secured credit card. We all have to start somewhere, you need to start at the bottom and work your way up. Luckily 24 months of positive payment/ credit activity can do wonders to a tarnished past. Consider a secured card and stop applying for everything lol.

Re: pls help i am disapprove for any cc I apply

NRB525 — Wed, 10 Feb 2016 06:20:56 GMT

@Anonymous wrote:
little backstory i move here from Israel some years ago never need credit barrow but am lately in poor finances due on family happenings,

i go to start for apply on many different banks chase citi capatal one even premiere first bank and all are disapprovel come back with low score on letter from 390 to 465 any suggestives?

You can look into joining the State Department Federal Credit Union, SDFCU. They allow you to create a membership with an affiliation, you pay a small fee to the affiliate to become a member of that organization, and then you can join SDFCU.

Once you are a member of SDFCU, you can open a Savings account.

SDFCU also has a Secured Credit Card that has no credit check involved at all. There is no review of your credit file. What you do is, you deposit at least $250 into your SDFCU savings account, then as part of the Secured Credit Card application, you agree to use that $250 (or more, I think you can have something like $2,000) in your savings account as the security for the card. SDFCU then has you electronically sign various forms, agreeing to using the savings as security, applying for the card, etc.

This approval process should be able to complete, as long as you have some sort of US tax identification, such social security number.

Once you get the secured credit card, it works at merchants just like any other credit card, up to the security limit you have. I think you can add to your savings account, to increase the limit later, if you want to. The card reports on your credit report as a credit card, helping to build payment history.

You should also get a copy of your credit report, to see what might be causing your scores to be so low.

Re: help chase disaproval

JagerBombs89 — Wed, 10 Feb 2016 06:22:09 GMT

This is actually impressive. I don't think I have seen a score less than 400 before.