topic Re: I think I'm done with apps for while...seem to hit a roadblock in Credit Card Applications

I think I'm done with apps for while...seem to hit a roadblock

ShinBeats — Wed, 08 Jul 2015 16:18:49 GMT

Tower FCU DENIED with EX 664
Denied AGAIN next month wtih EX 695

NFCU DENIED CLI with EQ 669 (Increased to 12,500 a month ago)

Looks like just got DENIED Venture with 695 EX

Denied Citi Earlier this year with 670 EX

Denied CLI on Chase Freedom card when UTIL under 50% (900 or so of 2000)

Discover upped my CL 1200 then that stopped with TU of 680

AMEX will NOT increase my Delta gold from the measly $1,000 SL from last year.

Only significant approvals this year: AMEX Gold, Local CU Platinum (6k) Chase Slate (3,400)

Utilization 27%

Inquiries at 17

Total CL=65,000

Re: I think I'm done with apps for while...seem to hit a roadblock

Anonymous — Wed, 08 Jul 2015 16:23:28 GMT

That sounds like a good idea. You don't want to keep racking up your inquiries with nothing to show for them. Take a 6 month vacation or so and try again.

Good luck!

Re: I think I'm done with apps for while...seem to hit a roadblock

Anonymous — Wed, 08 Jul 2015 23:24:25 GMT

@ShinBeats wrote:
Tower FCU DENIED with EX 664
Denied AGAIN next month wtih EX 695

NFCU DENIED CLI with EQ 669 (Increased to 12,500 a month ago)

Looks like just got DENIED Venture with 695 EX

Denied Citi Earlier this year with 670 EX

Denied CLI on Chase Freedom card when UTIL under 50% (900 or so of 2000)

Discover upped my CL 1200 then that stopped with TU of 680

AMEX will NOT increase my Delta gold from the measly $1,000 SL from last year.

Only significant approvals this year: AMEX Gold, Local CU Platinum (6k) Chase Slate (3,400)

Utilization 27%
Inquiries at 17

Total CL=65,000

Sorry to hear that! I know that can be a downer. Regroup and plan a new strategy. You do have great cards already, you may need to lower your utilization and maybe add some easy to get soft pull cards like Overstock. I recently got a a 4800.00 credit line which ultimately help my overall credit score, without the hard pull. I'm sure that you will figure it out and rebound from the disappointment.