topic Re: Calling All Blispay Rejects! in Credit Card Applications

Calling All Blispay Rejects!

Anonymous — Wed, 31 Aug 2016 16:44:26 GMT

Did you reapply? If so, when?

They denied me back in May, but my scores have gone up about 50 pts, and it's currently looking promising to get some old lates removed from Cap 1 Just waiting on a call back from the EO.

What's your experience?

Re: Calling All Blispay Rejects!

tussking — Wed, 31 Aug 2016 17:20:00 GMT

What were your scores when rejected and what are they now ?

Re: Calling All Blispay Rejects!

Anonymous — Wed, 31 Aug 2016 17:27:10 GMT

673 ---> 705

Re: Calling All Blispay Rejects!

Anonymous — Wed, 31 Aug 2016 17:28:54 GMT

I misspoke, my TU is the one that went up that much. Either way, I'm waiting a bit to see how things pan out with cap 1. I believe a few people were denied Blispay and reapped later on. Just curious

Re: Calling All Blispay Rejects!

Anonymous — Wed, 31 Aug 2016 22:01:14 GMT

@Anonymous wrote:
I misspoke, my TU is the one that went up that much. Either way, I'm waiting a bit to see how things pan out with cap 1. I believe a few people were denied Blispay and reapped later on. Just curious

I remember reading back when Blispay was new some members called when they were denied and the reps stated 6 months were required before reapplying. IIRC, attempting to apply online won't proceed if you enter the same info within the 6 months.

Re: Calling All Blispay Rejects!

Anonymous — Thu, 01 Sep 2016 06:24:56 GMT

Blispay only pulls EX. Just a heads up because you mentioned only your TU went up. They put a lot more value on your overall profile than just your score. Not a big fan of new accounts and multiple new inq. That is what the customer service rep told me anyhow. I was denied with a 719 EX a couple months ago and haven't tried again. But they seem to be all over the place with approvals/denials.

Re: Calling All Blispay Rejects!

ohreally7654 — Thu, 01 Sep 2016 09:56:50 GMT

@Anonymous wrote:
Did you reapply? If so, when?

They denied me back in May, but my scores have gone up about 50 pts, and it's currently looking promising to get some old lates removed from Cap 1 Just waiting on a call back from the EO.

What's your experience?

I apped in April and was denied--reapp'd between 2 and 3 months later and was approved for $4K! 679 EX at time of approval, 30 something inquiries and a lot of new accounts. Utilization was around 15%. HTH and best of luck to you if you reapply!

Re: Calling All Blispay Rejects!

Anonymous — Thu, 01 Sep 2016 16:06:08 GMT

Thank you both Noble and Ohreally for your data points! I'm gonna wait until November, I think. Will be good for the holidays

Noble - I agree it is all over the place, and surprised you didn't get approved with your score. I was denied with a 672, I found my denial letter this morning. Wanted to shoot for 720 before I apped again.

Re: Calling All Blispay Rejects!

Anonymous — Thu, 01 Sep 2016 16:49:49 GMT

I had 2 new accounts just hit my account when I apped. My AAoA took a pretty good hit. Again scores aren't the only thing they look at. Best to wait it out until your overall profile is in best shape for the app. Good luck !

Re: Calling All Blispay Rejects!

Anonymous — Thu, 01 Sep 2016 16:53:13 GMT

Yeah they mentioned my AAOA, which is 3 years, on my denial letter.

Re: Calling All Blispay Rejects!

Anonymous — Fri, 02 Sep 2016 02:00:17 GMT

"Score" is one of the factors that seemingly matters very little when it comes to Blispay approvals and denials. Multiple people on this forum with high 780 - 825 scores were denied for no good reason other than they probably weren't seen as being potentially profitable customers for Blispay. Conversely people in the 600's have been approved and plenty of scores in between in the "good" range have had mixed results. Blispay is definitely a head scratcher when it comes to the profiles that they approve.

Re: Calling All Blispay Rejects!

Anonymous — Fri, 02 Sep 2016 12:18:28 GMT

@Anonymous wrote:
"Score" is one of the factors that seemingly matters very little when it comes to Blispay approvals and denials. Multiple people on this forum with high 780 - 825 scores were denied for no good reason other than they probably weren't seen as being potentially profitable customers for Blispay. Conversely people in the 600's have been approved and plenty of scores in between in the "good" range have had mixed results. Blispay is definitely a head scratcher when it comes to the profiles that they approve.

Well maybe I should try again before my score gets too high 😂