topic What’s your most shocking denial? in Credit Cards

What’s your most shocking denial?

Snook_on_the_Line — Mon, 08 Jul 2024 17:42:49 GMT

I'm sure at some point almost all of us have apped for a card thinking we were a shoe in, and somehow got denied.

I apped for a secured discover two years ago and was surprised to get an instant denial.
On a secured card.

what's the denial that shocked you the most.

Re: What’s your most shocking denial?

MissLiz — Mon, 08 Jul 2024 19:20:47 GMT

I had my CapOne QS ($300) for about 18 months before I ever asked for a CLI. Had a solid history with them at this point, almost always PIF every month, and my FICO's had improved about 60 points across the board - no luv. That card still sits at $300. 😂

Re: What’s your most shocking denial?

Kforce — Mon, 08 Jul 2024 19:21:27 GMT

Zero

So far, so good

Re: What’s your most shocking denial?

CreditPoor — Mon, 08 Jul 2024 19:43:44 GMT

Amex Delta Sky Miles Blue, Gold, Green and any other card they have. Amex has decided they just don't care for my business. Make plenty of money high 6's and have plenty of spend. I don't carry balances and I refuse to pay interest. They asked for a 4506c couple times and told them to pound sand. Countered with b6 months of CU bank statements and pay stubs to match, they said no. Frankly the cards aren't accepted everywhere and highly overrated.

Re: What’s your most shocking denial?

Anonymous — Mon, 08 Jul 2024 20:26:29 GMT

A couple of months ago out of shear boredom I apped for pre-qualify with Credit One to see the plethora of top notch offerings they had for me.
(I did say shear boredom)

I was immediately flat out denied. I was shocked then I LOLed.

---

Generally though I reserve my shock for my approvals. I simply expect any application to be a denial.

Re: What’s your most shocking denial?

Windchill92 — Mon, 08 Jul 2024 21:14:39 GMT

Only denial yet was for Citi Custom Cash last year for limited credit history. My oldest acct was a 6-ish year old AU Discover that had reported for almost 5 yrs, youngest was individual NFCU that was just over a year old.

Called Citi recon and said they only consider individual revolving credit history and they couldn't recommend when to reapply b/c they "aren't allowed to discourage potential customers from banking relationship". Asked to elevate to underwriter, sounded like she took a 30-second break and just reiterated the same thing.

Rubbed me the wrong way till I realized that <2 yrs individual history is an understandably thin file to work with.

Re: What’s your most shocking denial?

ptatohed — Mon, 08 Jul 2024 21:23:23 GMT

Well, there were the 3 geo-fenced CU denials that I got trying to sneak under, through, or over the fence......... but those were not shocking, lol.

For me, the one that always stands out and still bothers me to this day is Discover about 10 years ago. Good credit, decent income, I don't think a lot of inquiries at the time, I even had a Discover Chrome in good standing that I had for years prior. Thus, the Discover it Cash Back that you see in my sig is my wife's. When I was denied, I asked her to apply.

Still chaps my hide, lol.

Re: What’s your most shocking denial?

keekers — Mon, 08 Jul 2024 23:31:42 GMT

None yet. Don't jinx me!

Re: What’s your most shocking denial?

Ushio — Tue, 09 Jul 2024 00:57:16 GMT

I got in with them eventually, but probably my repeated denials with Discover.

They have this reputation as beginner friendly, but they really didn't/don't like something about my profile.

Re: What’s your most shocking denial?

cjesser15 — Tue, 09 Jul 2024 11:57:21 GMT

I got denied for the CSP a couple years ago because I didn't know I was still an authorized user on some of my ex wife's cards and I was over 5/24 as a result. Suppose it was better to find out so I could deal with it, but still didn't see it coming.

Re: What’s your most shocking denial?

coldfusion — Tue, 09 Jul 2024 12:13:31 GMT

@Anonymous wrote:

A couple of months ago out of shear boredom I apped for pre-qualify with Credit One to see the plethora of top notch offerings they had for me.
(I did say shear boredom)

I was immediately flat out denied. I was shocked then I LOLed.

---
Generally though I reserve my shock for my approvals. I simply expect any application to be a denial.

Consider yourself lucky. I did the same once several years ago for giggles and grins and they bombarded me with emails and mailers afterward for almost a year before gradually tapering down to nothing.

Re: What’s your most shocking denial?

FlaDude — Tue, 09 Jul 2024 14:53:32 GMT

Chase United Explorer card when I was 1/24 and FICO 8 scores in the 800's. I had three existing Chase cards. Called for recon and they allowed me to have the card, but no new CL, I had to movve some from my other cards.

Re: What’s your most shocking denial?

redpat — Tue, 09 Jul 2024 15:13:28 GMT

Batting 100% and been in the garden 5 yrs 4 mo waiting to see what the citi elite card is all about if it comes out this fall.

Re: What’s your most shocking denial?

Kforce — Tue, 09 Jul 2024 15:41:27 GMT

@redpat wrote:
Batting 100% and been in the garden 5 yrs 4 mo waiting to see what the citi elite card is all about if it comes out this fall.

The 5+ years in the garden is impressive

Re: What’s your most shocking denial?

redpat — Tue, 09 Jul 2024 17:32:12 GMT

@Kforce wrote:
@redpat wrote:
Batting 100% and been in the garden 5 yrs 4 mo waiting to see what the citi elite card is all about if it comes out this fall.
The 5+ years in the garden is impressive

@Kforce

Really isn't that hard once you find reward programs that you like and having a large amount of business spend also helps, it feels like I get SUBs every month......Stick to a plan, be patient and don't listen to all the noise.

It also makes it easier going independent on hotel stays and only flying mainly AA and sometimes on Delta (I have flip flopped now and then).

Citi will peak my insterest though, I did have the Prestige card back then and closed it when everything got nerfed.

Re: What’s your most shocking denial?

kalli007 — Tue, 09 Jul 2024 18:21:28 GMT

Same thing with the Discover Secured - like wth?

Re: What’s your most shocking denial?

xenon3030 — Tue, 09 Jul 2024 19:01:20 GMT

The most shocking denial was on Citi Costco. They rejected my application with Fico8 of 810 and it was the day after closing my mortgage. They were citing too many inquiries (all of them were for mortgage). The recon call for 10 minutes did not go anywhere and they were requesting to come back in one year . It was the only lender that rejected me for CC in that year and I got approved for multiple credit cards in a few weeks after the mortgage.

I eventually came back to Citi, with a clean sheet of 6 months without inquiry, and I finally got approved for Premier to buy a few left appliances.

Re: What’s your most shocking denial?

Snook_on_the_Line — Tue, 09 Jul 2024 20:32:24 GMT

@kalli007 wrote:
Same thing with the Discover Secured - like wth?

For real, right?

im giving you thousands of dollars to secure my card. Seriously disco, you can't lose. What gives?

Re: What’s your most shocking denial?

Anonymous — Tue, 09 Jul 2024 22:26:39 GMT

Wells Fargo Visa Signature : this was a card that while earning 1% itself, boosted portal redemptions pooled from other cards by 50% One suggested strategy was to get this first.

I applied and was rejected. When I called I was told the reason was that I had had balances on more than one card in the last 6 months. I was surprised as I PIF, so this was just statement balance type stuff, I tried to explain but was told if I thought the report was incorrect (which I didn't) contact the credit bureau concerned. When the letter arrived it showed my score was 850 (possibly out of 900) with that same reason.

So that was the only time I would have benefitted from AZEO, a very strict form where the "EO" is the same card for 6 months.

This was my second rejection. The first bein Golden One who found out that they couldn't provide the credit card in my state, after doing a HP. But I've whined about that recently.

Re: What’s your most shocking denial?

Gregory1776 — Wed, 10 Jul 2024 01:20:03 GMT

@redpat wrote:
@Kforce wrote:
@redpat wrote:
Batting 100% and been in the garden 5 yrs 4 mo waiting to see what the citi elite card is all about if it comes out this fall.
The 5+ years in the garden is impressive
@Kforce
Really isn't that hard once you find reward programs that you like and having a large amount of business spend also helps, it feels like I get SUBs every month......Stick to a plan, be patient and don't listen to all the noise.

It also makes it easier going independent on hotel stays and only flying mainly AA and sometimes on Delta (I have flip flopped now and then).

Citi will peak my insterest though, I did have the Prestige card back then and closed it when everything got nerfed.

Agreed, it's very easy to stay away from applying for credit cards, allowing inquiries to age off. Like 5 years went by quickly for me, I had the cards I needed. Trying and failing to keep out of debt and just working on building up my cash.

Can you tell me about "going independent" with hotel stays? I'm looking to possibly traveling some more and nicer hotels sound really appealing, bed and baths are awesome but don't have the marketing of Marriott, so obviously go rather unnoticed. Stayed in one in Savannah and absolutely loved it.