topic Re: Woohoo!! I got my denial letter from Blispay!! in Credit Card Applications

Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 00:58:48 GMT

With all of the approvals lately, I had to say that...lol!!

LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED (yeah.. I have several new accounts within the last 5 months).

LACK OF RECENT INSTALLMENT LOAN INFORMATION (um...I'm not taking out a loan for you).

NUMBER OF RECENT INQUIRIES (I admit...49 inquiries on Experian in the last 2 years).

Oh well....another one bites the dust. I'll just be happy with all of my other new accounts that I got in the last month (Amex Gold Delta Skymiles, Amex Hilton HHonors, Amex Green, Cabelas Visa, and my $15,000 John Deere account. I'm still tickled about that one.

Re: Woohoo!! I got my denial letter from Blispay!!

TRC_WA — Fri, 15 Apr 2016 01:04:05 GMT

49....

Wow.

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 01:33:42 GMT

Me too!

"Your credit score: 754
Key factors:
Length of time accounts have been established
Number of recent inquires
Prop of loan balances to loan amounts"

My average credit history is 2 years, 9 inquires, and I have a student loan in deferment.
Buttholes.
Least I got a marvel.

Re: Woohoo!! I got my denial letter from Blispay!!

CreditMagic7 — Fri, 15 Apr 2016 01:42:36 GMT

@TRC_WA wrote:
49....

Wow.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 01:45:29 GMT

My Experian score was 678 at the time. Now it is 688.

Buttholes is right!! Me thinks that they spitted out automatic denial form letters, because they did not anticipate the huge response in that short period of time (Way to go MyFicos..lol!!). They just got too big for their britches too soon!!

Congrats on your Marvel card though!! 😊

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 01:52:30 GMT

@Anonymous wrote:
My Experian score was 678 at the time. Now it is 688.

Buttholes is right!! Me thinks that they spitted out automatic denial form letters, because they did not anticipate the huge response in that short period of time (Way to go MyFicos..lol!!). They just got too big for their britches too soon!!

Congrats on your Marvel card though!! 😊

Are you saying that you don't feel those are valid reasons to deny you credit?

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 01:54:42 GMT

49 is chump change! Someone else on this board actually GOT approved with 90. Go figure!!😲

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 01:57:57 GMT

I think they can deny people for whatever they want. But I laughed when I saw the reported 754 score.
I'm not got enough for a brand new card with that, but I can get the synchrony marvel card for 10k about a week later. 😂

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 01:58:24 GMT

Those are all valid reasons. So I'm not surprised by the denials or upset. As always YMMV.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:05:13 GMT

@Samac wrote:
Me too!

"Your credit score: 754
Key factors:
Length of time accounts have been established
Number of recent inquires
Prop of loan balances to loan amounts"

My average credit history is 2 years, 9 inquires, and I have a student loan in deferment.
Buttholes.
Least I got a marvel.

How many accounts have you opened in the past 6 months?

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 02:06:23 GMT

In the past 6 month I had opened 2 accounts at that time, now it's 3 with my marvel.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:11:03 GMT

@Anonymous wrote:
Those are all valid reasons. So I'm not surprised by the denials or upset. As always YMMV.

Okay. Thanks for responding.

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 02:08:25 GMT

Most of those stupid inquires came from a car loan, where the dealership had 6 different banks they called for getting a loan, they all counted seperately.
Had an AMEX in December, Citi DC shortly before Blispay and a Chase Freedom back in July of last year.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:10:36 GMT

@Samac wrote:
In the past 6 month I had opened 2 accounts at that time, now it's 3 with my marvel.

Okay. Thanks for responding.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:13:01 GMT

@Samac wrote:
Most of those stupid inquires came from a car loan, where the dealership had 6 different banks they called for getting a loan, they all counted seperately.
Had an AMEX in December, Citi DC shortly before Blispay and a Chase Freedom back in July of last year.

Was it an instant denial or did you get the 7-10 day message?

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 02:13:37 GMT

Instant denial. I really think it's because they don't like my student loans that are in full balance in deferment.

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:17:27 GMT

@Samac wrote:
Instant denial. I really think it's because they don't like my student loans that are in full balance in deferment.

It could be. I'm hoping the company does well, so you can always apply at a later time. Are you headed into the garden?

Re: Woohoo!! I got my denial letter from Blispay!!

Samac — Fri, 15 Apr 2016 02:20:11 GMT

I absolutely am headed there, and have every intention to stay there for at least 6 months. If it's still around I might try again in a year.
And sorry I'm lacking in the quotes. My mobile device hates this site lol

Re: Woohoo!! I got my denial letter from Blispay!!

Anonymous — Fri, 15 Apr 2016 02:22:29 GMT

@Samac wrote:
I absolutely am headed there, and have every intention to stay there for at least 6 months. If it's still around I might try again in a year.
And sorry I'm lacking in the quotes. My mobile device hates this site lol

Good decision. I hope they are still around. No problem. I know you're speaking to me. Lol! See you in the garden.

Re: Woohoo!! I got my denial letter from Blispay!!

pizza1 — Fri, 15 Apr 2016 04:03:43 GMT

@TRC_WA wrote:
49....

Wow.

LOL..really TRC?? Youre are saying "wow" to just 49?? You must not have seen my post lately, LOL