topic Re: Blue Nile Credit Card Denied!!!! in Credit Card Applications

Blue Nile Credit Card Denied!!!!

Anonymous — Tue, 29 Nov 2016 19:05:41 GMT

HI Everyone,

Just applied for a Blue NIle Credit card to buy an engagement ring. Got instantly denied and really dont understand why. My credit score is 708. I have no credit card debt at all. My only credit card is citi card with a $1000 limit and I use it and pay it. I have an auto laon from Porche Financial that I still owe $85k, but I am never late and always pay on time and I have a mortage that I pay $6300 per month. I make $45k a month. I was looking for a limit of $25k so I can buy her the ring she dreams about. I feel like thay didnt even do a hard pull. the denial was so fast and I dont understand why. I really ont want to dip into the savings to pay for the ring and financing t would have been an easy option. any idea why I got denied?

Re: Blue Nile Credit Card Denied!!!!

austinguy907 — Tue, 29 Nov 2016 19:08:10 GMT

Wait for the letter or call Comenity up and ask them.

Re: Blue Nile Credit Card Denied!!!!

Aduke1122 — Tue, 29 Nov 2016 19:10:59 GMT

Or try for another lender .

Re: Blue Nile Credit Card Denied!!!!

Anonymous — Tue, 29 Nov 2016 19:12:53 GMT

Try Ritani, they use Sychrony bank which is not such a PITA my friend got an engagement ring from there and it is very nice.

Re: Blue Nile Credit Card Denied!!!!

Anonymous — Tue, 29 Nov 2016 19:32:40 GMT

It may be because either you don't have enough credit history built up and/or they don't believe your income. I was denied for Amex last mo. Letter said "unable to verify income" I called them and offered to send in Pay checks or taxes and they said "Out system automatically knows where you work and how much you make" then I said "well it is wrong then and I am happy to prove it to be reconsidered" and was told..: our system is never wrong and you would not be reconsidered" ....

Needless to say I was pissed but they didn't believe me and they basically called me a liar.

Wait for the denial letter and see what it says. If it is not enough revolving debt experience there isn't much you can do... except maybe apply for 1 or 2 more easier approval cards or a good secured card like Discover possibly.... and build up some more history. Odd thing is your FICO is high for only having one revolving account with a 1k limit. This is a real FICO? Not like Credit Karma?

Either way wait to see why you were denied and then we can advise better. You always recon IMO, no matter what the reason. You already toon the credit pull.

One more thing... do you monitor your credit? Did you get an alert for a new INQ? If so I would suggest it.

Sorry for the denial but the process isn't over yet.
Wait for denial letter and then recon.

Re: Blue Nile Credit Card Denied!!!!

Anonymous — Tue, 29 Nov 2016 19:51:31 GMT

@Anonymous wrote:
It may be because either you don't have enough credit history built up and/or they don't believe your income. I was denied for Amex last mo. Letter said "unable to verify income" I called them and offered to send in Pay checks or taxes and they said "Out system automatically knows where you work and how much you make" then I said "well it is wrong then and I am happy to prove it to be reconsidered" and was told..: our system is never wrong and you would not be reconsidered" ....

Needless to say I was pissed but they didn't believe me and they basically called me a liar.

Wait for the denial letter and see what it says. If it is not enough revolving debt experience there isn't much you can do... except maybe apply for 1 or 2 more easier approval cards or a good secured card like Discover possibly.... and build up some more history. Odd thing is your FICO is high for only having one revolving account with a 1k limit. This is a real FICO? Not like Credit Karma?

Either way wait to see why you were denied and then we can advise better. You always recon IMO, no matter what the reason. You already toon the credit pull.

One more thing... do you monitor your credit? Did you get an alert for a new INQ? If so I would suggest it.

Sorry for the denial but the process isn't over yet.
Wait for denial letter and then recon.

Comenity does not recon. Amex sends out 4506T to verify income they do not have a system that tells them that. You may have gotten someone who just wanted to get you off the phone.

Re: Blue Nile Credit Card Denied!!!!

thisladyz — Tue, 29 Nov 2016 21:25:21 GMT

@Anonymous wrote:
HI Everyone,
Just applied for a Blue NIle Credit card to buy an engagement ring. Got instantly denied and really dont understand why. My credit score is 708. I have no credit card debt at all. My only credit card is citi card with a $1000 limit and I use it and pay it. I have an auto laon from Porche Financial that I still owe $85k, but I am never late and always pay on time and I have a mortage that I pay $6300 per month. I make $45k a month. I was looking for a limit of $25k so I can buy her the ring she dreams about. I feel like thay didnt even do a hard pull. the denial was so fast and I dont understand why. I really ont want to dip into the savings to pay for the ring and financing t would have been an easy option. any idea why I got denied?

Sorry about the denial. But may I be so nosey as to ask WTH you do for a living to make $45K a month? lol