topic Re: Rejected by AAA, reason is confusing and weird in Credit Card Applications

Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 16:45:03 GMT

I have been an aU user of icit card for a few year and I apply and got my first card C1 Quicksilver with 1k limit on Feburary. I was trying to apply for ther AAA Advabtage during March because of tis great gocery and warehouse cahs back. Initially they send me a letter to call them to verify soem info. I called it in and they say they will send me the result in a few days. I was rejected, ok but the reasoning seems weird. They claim they cannot verify my idenity. What does that even mean? They clearly pulled my experian report. I called it in to want some answer but they refuse to say anything but say reapply in a month. I am not sure about trying again after that answer they give. If they say my credit is thin, fine, but this is off... not sure if i want to rise another hard pull for it.

My next option would be either Venmo or Elan cash max or maybe try for usbank secure card.

Re: Rejected by AAA, reason is confusing and weird

sznthescore — Tue, 04 Apr 2023 17:14:49 GMT

Definitely sounds like a thin file. You're going to need more history individually to prove yourself to prime lenders. You can't skip over the "building" process to prime core cards with a short credit history. Obtaining the secured card from US Bank would be your next step in the building process since you express an interest in it and want to build more credit.

Is the C1 Quicksilver your only individual card? Do you have a FICO score?

*This post was based on the information OP provided in initial post

Re: Rejected by AAA, reason is confusing and weird

coldfusion — Tue, 04 Apr 2023 17:29:40 GMT

Go to annualcreditreport.com and try to pull free copies of all 3 major credit reports. It could be that there is either incorrect information on your reports or for whatever reason you have blank/nonexistent credit reports. Either issue could lead to a failure to verify your identity.

If they can't verify you, submit requests to get copies of your reports directly to Experian, Transunion, and Equifax. You might also want to request a copy of your Lexis Nexis Consumer Report to confirm that one exists and it is accurate as information from that report tends to percolate to your credit reports.

I would suggest you consider holding off applying forr more credit until you get an understanding of what's going on.

Re: Rejected by AAA, reason is confusing and weird

coldfusion — Tue, 04 Apr 2023 17:32:33 GMT

Forgot to ask - did you apply online using a VPN connection? That can also occasionally cause identity issues because they can make it appear that you're applying from a physical location far from your actual residence.

Re: Rejected by AAA, reason is confusing and weird

FireMedic1 — Tue, 04 Apr 2023 17:33:17 GMT

AU accounts are ignored by most lenders. You've had 1 card for a month with your QS thats a bucket card. Need to build some more history. Give it 6 months before your next app. Try Discover pre-qual then. Many others out there. Read the Rebuilding your Credit Sub Forum for ideas to get things rolling.

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 20:52:28 GMT

My Experian Score is 749 and yes, My C1 is my first real card in my report

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 21:42:22 GMT

I check all 3, seems to be fine.

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 20:51:45 GMT

No vpn

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 21:17:41 GMT

How easy is it to get usbank cash+ secure card? All in all i really want a visa card so shopping at costco become less of a problem

Re: Rejected by AAA, reason is confusing and weird

Anonymalous — Tue, 04 Apr 2023 22:00:44 GMT

@xellos2099 wrote:
My Experian Score is 749 and yes, My C1 is my first real card in my report

Thanks to an old AU card, my Experian score was 767 when I first became scorable. And that was the lowest of my FICO 8s. Despite that, and even after my first personal card was 6 months old, Chase still rejected me. That's pretty typical -- don't rely on all the internet advice about how you need score X for card Y. It's pure garbage. All (or almost all) CC lenders use their own criteria, and often generate their own internal score. In your case (and mine, almost 2 years ago), they'll see that you're brand new to credit. And that counts far more than any third party score.

You're a new file. The first priority should be to develop some personal credit history, ideally at least 6 months. Even then, most of the major lenders will still say no, but you should be able to get a second and/or third card, if you target lenders known for being friendly to new files. Cap1, Discover, Amex to some degree, maybe FNBO, Navy Fed if you qualify, etc. I wouldn't bother with secured cards, unless you really really want to start a relationship with a lender who is less friendly to new files (I've never had a secured card, that's more for rebuilders than new files). After about a year of personal credit history, you'll have a better shot with the major lenders. Just make sure you have no lates or other negatives, and keep utilization under control.

Identify verification has little to do with whether they were able to pull your credit report. It could be something as simple as transposed digits in a SSN, or a wrong address. Or they might just need a copy of some ID, like a driver's license and/or a social security card. Or, it might be suspicion of fraud, in which case, you're unlikely to learn the real reason why they rejected you. The best you can do is go over all the essential information in your credit report and check to make sure it's precisely correct (not just that it looks okay at the first glance), and wait for the rejection letter and see if it's as simple as providing some additional documentation.

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Tue, 04 Apr 2023 22:16:42 GMT

Utilization is one of the reason why i want another card, paying for it is no problem but with a credit limit of $1000 and gorcery and general expense is 800-900 ish, i would have to pay for the account twice during the money to keep utilization low.

Re: Rejected by AAA, reason is confusing and weird

Anonymalous — Tue, 04 Apr 2023 23:35:40 GMT

I started with a $300 SL on my first card, so I fully understand how much of a pain a tiny limit can be. I ended up paying off my card multiple times a month, which Cap1 doesn't seem to mind.

To get out of that trap, I focused on lenders who are known to be friendly to new files, and who are known for giving out high limits. Immediately after Chase rejected me, I applied for a card from Navy Fed. With just 6 months of personal credit history, they gave me an $8K+ SL, and 9 months later it was over $24K. Navy is definitely friendly to AUs. With 9 months of personal credit history, I got an FNBO Evergreen, with a limit just below $4K. While there have been reports of CLDs from FNBO lately, they have historically been fairly friendly to new files, and their prequal is pretty reliable and gives a SL.

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Wed, 05 Apr 2023 01:10:59 GMT

No one in my family is millitary so that is a no go for me

Re: Rejected by AAA, reason is confusing and weird

Absolution16 — Wed, 05 Apr 2023 02:19:20 GMT

Did you actually receive the rejection letter? It sounds like you did, but I was unsure. If I understood correctly, they state their reasoning as "unable to verify identity" and yet, when you called them after receiving the letter, they did not give you any options to actually try "proving" your identity?

I have been through the same issue with Synchrony. As mentioned above, you should check your LexisNexis Consumer Report. I see that you have already checked with the 3 major credit bureaus, but it is important that you at least check with LN, if not more from other secondary companies like ARS and Innovis. I learned my lesson the hard way recently.

You just got your 1st card. Quicksilver is a good card, but like mentioned above, it may be a bucketed card, which means it has virtually no room for further growth in its credit limit. I would concentrate all your spending on this 1 card for now, at least 6 months if not more. In the meantime, you can still use your VISA debit card at Costco. Or if you are willing, you can buy Costco Shop card online with your QS first beforehand and use that at the register.

Since you only have 1 card, I would leave a very tiny amount report every month, while making necessary payments early before the statement end date, so that you can free up more credit for your monthly spending needs. Go over your expenses and see where you are spending the most, and determine the most important categories to you, so that you know exactly what kind of rewards cards will actually become useful to you instead of just applying for anything that "looks good at first glance."

Re: Rejected by AAA, reason is confusing and weird

xellos2099 — Wed, 05 Apr 2023 02:45:31 GMT

Yes. I initally received a letter tell me to call to verify my information, i did so and they say they will send me a reply in a few days, then i actually receive the letter that say they cannot verify my information. I do not have visa debit card at all, all my debit card is mastercard, and of course quick silver is master card too. I no longer have access to the costco visa card as AU as the owner passed away. I already purcahse $200 worth of costco cash card for the use of April. 99% of the spending is gorcey and costco, that why i choose AAA card. My next choice would be Venmo, usbank cash+ or Elan cash max.