topic Re: Where should I apply?? in Credit Card Applications

Where should I apply??

schjones1978 — Sat, 28 Mar 2015 00:02:11 GMT

Hi,

I would like to add a credit card or 2 to my credit file, but I haven't had much success. Background:

EQ: still has a few baddies.

TU: No recent baddies. Discharged Cap 7 in 2007 - Dismissed Chapter 13- 2013 Current score is 665

EX: Recent late 7 months ago. BK Discharge and Dismissal like TU 686 I have a Chase MWR reporting paid as agreed for the last 10 yrs $250 and USAA opened in Dec. 2014 $450 Util: 1%

I was turned down for Amex Everyday due to BK

Barclay's is under review, which means TO ME, a denial.

Any suggestions on what to do? What card(s) do I have a shot at getting?

Re: Where should I apply??

Creditaddict — Sat, 28 Mar 2015 00:10:46 GMT

Capital One - check the pre-qual tool under credit cards on the website... if you get "Congrats, and offers" I would apply for 2 of them back to back.

walmart, amazon, 76 gas, or chevron might be options - all backed by sync... it's either instant approval or denied unless it gives you a number to call and that's verification and approval but you can't recon sync cards.

barclay you should call (they are closed now... think you have to wait till monday and call directly into backdoor number)

maybe some comenity cards through shopping cart like express, overstock, victoria secret.

but start with capital one!

Re: Where should I apply??

schjones1978 — Sat, 28 Mar 2015 00:19:07 GMT

@Creditaddict wrote:
Capital One - check the pre-qual tool under credit cards on the website... if you get "Congrats, and offers" I would apply for 2 of them back to back.
walmart, amazon, 76 gas, or chevron might be options - all backed by sync... it's either instant approval or denied unless it gives you a number to call and that's verification and approval but you can't recon sync cards.
barclay you should call (they are closed now... think you have to wait till monday and call directly into backdoor number)
maybe some comenity cards through shopping cart like express, overstock, victoria secret.

but start with capital one!

Oh, I forgot. I do have a Cap one secured card $200. I opened it in Jan and it's only reporting on Transunion. I don't think the shopping cart thing works for me due to having a fraud alert and being removed from opt-out. I applied for the PayPal card that was immediately denied due to the fraud alert. They called for verification and I haven't heard back. That was two days ago. I applied for VS and ExpressJeans, but again because of the fraud alert it's "under review. You should rec. something in 10 days."

I was approved for a BMW on 3/24/2015 but can't get any plastic to save my life.

Re: Where should I apply??

Creditaddict — Sat, 28 Mar 2015 00:22:30 GMT

I would remove the fraud alerts - they are disaster when trying to apply for credit... at least lift them for a day or a week to apply for credit but I never suggest applying with the alerts in place... you will just run into all the issues you are running into.

I would also opt - in! you clearly want credit so why opt out!

do those 2 things and check the capital one pre-qual and get unsecured.

I would assume since Sync didn't give you instant approval after verifying you from fraud alert you were declined.

comenity is most likely to stupid to help you if your fraud alerts are active!

Re: Where should I apply??

schjones1978 — Sat, 28 Mar 2015 00:26:43 GMT

Okay. You're right I do want credit. Thanks EX, EQ, TU!!! Their doing, not mine. So, I guess I will give all of them a shout. Thank you so much.

Re: Where should I apply??

schjones1978 — Sat, 28 Mar 2015 17:01:28 GMT

@Creditaddict wrote:
I would remove the fraud alerts - they are disaster when trying to apply for credit... at least lift them for a day or a week to apply for credit but I never suggest applying with the alerts in place... you will just run into all the issues you are running into.
I would also opt - in! you clearly want credit so why opt out!

do those 2 things and check the capital one pre-qual and get unsecured.

I would assume since Sync didn't give you instant approval after verifying you from fraud alert you were declined.
comenity is most likely to stupid to help you if your fraud alerts are active!

Just rec'd the approval email for PayPal.