topic Re: Kroger 1-2-3 MasterCard in Credit Cards

Kroger 1-2-3 MasterCard

woozy — Fri, 12 Mar 2010 00:29:54 GMT

I've been rebuilding. I have good scores but no recent credit, so I've been denied for a few cards.

I got a 7 day message while app'ing online for the Kroger card.

My card came!

WELL, they gave me a $4000.00 line, 0% for 6 months, and a coupon for $25.00 of free groceries!

WhoooWhhoo!

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 00:30:54 GMT

May I ask what your score looks like? Congrats!!

Re: Kroger 1-2-3 MasterCard

woozy — Fri, 12 Mar 2010 00:37:18 GMT

After the apps I've made, I'm guessing in the upper 600's. I had 7 years of no credit at all, but a few old tradelines that looked good.

I've come to the conclusion that each issuer has widely divergent criteria. I mean, like from different planets!

HSBC also gave me a card, but only $2000.00.

Re: Kroger 1-2-3 MasterCard

DI — Fri, 12 Mar 2010 00:38:35 GMT

@woozy wrote:
I've been rebuilding. I have good scores but no recent credit, so I've been denied for a few cards.

I got a 7 day message while app'ing online for the Kroger card.

My card came!

WELL, they gave me a $4000.00 line, 0% for 6 months, and a coupon for $25.00 of free groceries!

WhoooWhhoo!

Congratulations! I got my card back in Sept '09. It started with a CL of $4000. On Jan. 10th 2010, I called to ask for a CLI. My limit increased to $5300. Enjoy the cards and buy plenty of fruits and vegatables with your $25.00. LOL

Re: Kroger 1-2-3 MasterCard

woozy — Fri, 12 Mar 2010 00:47:16 GMT

I now have the two cards I felt I needed to rebuild.

I never, ever, could have done it without this board. I would have destroyed my score with hard hits..

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 01:10:34 GMT

Congrats Woozy!!!!!

Love Kroger!!!! I don't know if they still do it, but when DH activated his $8,000 card last summer, he called in for a higher CL, and they immediately upped him to $10,000. They said it was a soft, but it was a hard. We use this card a lot!

woozy wrote: I never, ever, could have done it without this board. I would have destroyed my score with hard hits..

I agree, this board is the bee's-knees. We still had a few misses, but really nailed it because of these boards. (Personally, I would have given up after being turned down by Cap One. I figured if they wouldn't work with us, who would???? These boards taught me much, much better). And, of course, these boards enlightened us re: Kroger. And Alliant. And Cabela's. And my Macy's.

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 01:42:45 GMT

I app'd for this card last yr and was denied.I shop at this ~~shop at this~~ store mostly everyday. matter of fact, I shopped in there today and picked up a cc application,I'm scare to fill it out though...

Message Edited by ladydi on 03-11-2010 08:42 PM

Re: Kroger 1-2-3 MasterCard

DI — Fri, 12 Mar 2010 01:55:24 GMT

@Anonymous wrote:
I app'd for this card last yr and was denied.I shop at this ~~shop at this~~ store mostly everyday. matter of fact, I shopped in there today and picked up a cc application,I'm scare to fill it out though...
Message Edited by ladydi on 03-11-2010 08:42 PM

If your credit improved since you last app'd, I wouldn't be afraid to fill out the online application. Why did Kroger decline you last year?

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 02:31:49 GMT

@DI wrote:
@Anonymous wrote:
I app'd for this card last yr and was denied.I shop at this ~~shop at this~~ store mostly everyday. matter of fact, I shopped in there today and picked up a cc application,I'm scare to fill it out though...
Message Edited by ladydi on 03-11-2010 08:42 PM
If your credit improved since you last app'd, I wouldn't be afraid to fill out the online application. Why did Kroger decline you last year?

they just said i had some stuff on my tu report....yes my tu went up to 627. And this is the card i wanted real bad. I know i have called them to recon. and no was the answer the whole time...lol

Re: Kroger 1-2-3 MasterCard

woozy — Fri, 12 Mar 2010 02:45:33 GMT

@Anonymous wrote:
Personally, I would have given up after being turned down by Cap One.

That's me. I would have just given up. I figured that if one turned me down, they all would. The most important thing for a game newbee to know is that these people ALL have their own business model. I got turned down for the first 2 cards I app'ed for with a score of 739.

I also think that some of these issuers are using the sealed, archived reports that they can't legally use. They know if you're coming off baddies, even if they've fallen off, or been disputed and removed.

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 02:50:50 GMT

@woozy wrote:
@Anonymous wrote:
Personally, I would have given up after being turned down by Cap One.
That's me. I would have just given up. I figured that if one turned me down, they all would. The most important thing for a game newbee to know is that these people ALL have their own business model. I got turned down for the first 2 cards I app'ed for with a score of 739.

I also think that some of these issuers are using the sealed, archived reports that they can't legally use. They know if you're coming off baddies, even if they've fallen off, or been disputed and removed.

Amen to that.....

Re: Kroger 1-2-3 MasterCard

Anonymous — Fri, 12 Mar 2010 02:54:40 GMT

@Anonymous wrote:
@woozy wrote:

I also think that some of these issuers are using the sealed, archived reports that they can't legally use. They know if you're coming off baddies, even if they've fallen off, or been disputed and removed.
Amen to that.....

I hate to sound profoundly naive. But, really????

Re: Kroger 1-2-3 MasterCard

MarineVietVet — Sat, 13 Mar 2010 03:12:30 GMT

@woozy wrote:
@Anonymous wrote:
Personally, I would have given up after being turned down by Cap One.
That's me. I would have just given up. I figured that if one turned me down, they all would. The most important thing for a game newbee to know is that these people ALL have their own business model. I got turned down for the first 2 cards I app'ed for with a score of 739.

I also think that some of these issuers are using the sealed, archived reports that they can't legally use. They know if you're coming off baddies, even if they've fallen off, or been disputed and removed.

What exactly are these sealed and archived reports? I am curious.

Re: Kroger 1-2-3 MasterCard

woozy — Sat, 13 Mar 2010 05:06:08 GMT

Old information doesn't disappear into the ozone. Law enforcement, the IRS, the courts, etc, can subpoena it.

The CRA's have access to it, and I have ZERO trust in them. They are the poster children for power exceeding morality.

Creepy, huh?

Re: Kroger 1-2-3 MasterCard

Anonymous — Sat, 13 Mar 2010 15:57:46 GMT

Right. And employers (for jobs with annual salaries over - what is it - $150,000?) and mortgages (for about the same, if I remember right) can access the full report.

But if even our mortgage app didn't pull up the full report, I can't see cc companies sneaking around the law and accessing it.

Sometimes, though, I think there are aspects of our credit report that we tend to ignore that matter, for whatever reason, to potential creditors. There's a lot more detail available than the simple explanations we receive for different aspects. AAofAccounts is a good example. We'll receive two pieces of info - age of our oldest open account & average age of all accounts. But FICO is tracking many other dimensions, including average age of open accounts, length of time we tend to keep accounts open, etc.

Or perhaps the lender has a criteria that we are not privy to, that we are not meeting.

That is more likely to be the fly in the ointment. IMO.

Re: Kroger 1-2-3 MasterCard

Creditaddict — Sat, 13 Mar 2010 16:00:21 GMT

I keep seeing such positive things about this card, my poor mother is having a completely different experience, she was approved for $4k less than a year ago and she BT and the card has less than 1k balance on it now, maybe even paid off and they have CLD her 2! The debt has not increased since being approved for the card, if anything it has gone down.

Re: Kroger 1-2-3 MasterCard

MarineVietVet — Sat, 13 Mar 2010 16:33:21 GMT

@woozy wrote:
Old information doesn't disappear into the ozone. Law enforcement, the IRS, the courts, etc, can subpoena it.

The CRA's have access to it, and I have ZERO trust in them. They are the poster children for power exceeding morality.

Creepy, huh?

All I know is that once I got my act together and began to do all the right things, i.e. always paying on time, low CC utilization, not applying for credit I didn't need etc. my scores began to stabilize and then began to rise.

There are no big secrets to that. All my "negative" information was somewhere I guess but it never interfered with my recovery. Conspiracy theories are for those who.......well never mind.

From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

Re: Kroger 1-2-3 MasterCard

woozy — Sat, 13 Mar 2010 20:40:38 GMT

"All my "negative" information was somewhere I guess but it never interfered with my recovery. Conspiracy theories are for those who.......well never mind"

It's not *somewhere*, it's in an archived report, which people in law enforcement (I was) know about.

We are surrounded by sleaziness on every level. I'm not paranoid, I'm just paying attention.

Re: Kroger 1-2-3 MasterCard

Anonymous — Sat, 13 Mar 2010 23:43:55 GMT

@woozy wrote:

That's me. I would have just given up. I figured that if one turned me down, they all would. The most important thing for a game newbee to know is that these people ALL have their own business model. I got turned down for the first 2 cards I app'ed for with a score of 739.

I also think that some of these issuers are using the sealed, archived reports that they can't legally use. They know if you're coming off baddies, even if they've fallen off, or been disputed and removed.

Personally, I think it's far more likely that, even with your score of 739, you just didn't meet the lending criteria for the product that you applied for. It can't be stressed enough that the credit score is not always the be all/end all of a lending decision. Even when you're eligible for one or some products with a lender, you may be ineligible for others. For example, to obtain some cards, you may need to have X number of years of revolving credit experience. Or, you may have to *already* have a credit line of $10k. Sometimes, even with a high score, your credit is too new. Sometimes it's 'too much'. You may have a high score, and a low debt to credit ratio, but they might feel that you're Pyramiding. They may look at your recent history with credit and decide that you wouldn't be profitable.

The bottom line is that there are a myriad of reasons why even a good score can result in a "No sir/no ma'am". The decline isn't at all likely to be the result of the CRAs completely losing their minds, and wanting to risk business life and limb by selling illegal peaks of your no longer viewable (outside of the extremely limited situations that the law allows for) & sealed information. It wouldn't be profitable as a randon business venture. And, they certainly couldn't do it on large scale, if for no other reason than it would be easily exposed. Their ill-gotten gains would quickly be eaten up by first the private civil, then class action lawsuits. Naturally, the next step would be the Senate hearings, where the CEOs of TU, EXP, and EQ would have to borrow some electric concept cards from Detroit, drive to DC, and sit for their very public grilling and insulting session. Then, there's the hefty fines from the government. Bad press from the consumer watch dog groups. And IRS investigation into their books that will lead to two of the three CEOs and their CFOs being tossed into prison, their kids being kicked out of private schools, and their wives having to give up their third home in the Hamptons. The third will attempt to go on the lam, seeking assylum in any country that will have him, but he'll eventually be turned over as a small provision in some completely unrelated trade agreement.

And somewhere, the whistleblower employee who first tattled, after waiting his or her entire career for a way out of their dead end job, will be sipping a rare red wine & cackling evilly from his or her new Condo in Telluride, CO.

Re: Kroger 1-2-3 MasterCard

Anonymous — Mon, 26 Jul 2010 22:40:35 GMT

@DI wrote:
@Anonymous wrote:
I app'd for this card last yr and was denied.I shop at this ~~shop at this~~ store mostly everyday. matter of fact, I shopped in there today and picked up a cc application,I'm scare to fill it out though...
Message Edited by ladydi on 03-11-2010 08:42 PM
If your credit improved since you last app'd, I wouldn't be afraid to fill out the online application. Why did Kroger decline you last year?

i tried again last week, the letter came today..yes denial again! the reasons are:

1) nbr of consumer initiated finance co. inq in the past 24 months..........?

2) nbr of consumer intiated inq in the past 12 mos. ?

3) nbr revolving trades reported within last 3 months w/bal.....?

if time i tried, i had nbr accounts with 0 bal........?

pls help me what can i do to get this card? it states should i have any additional info. which couldlead to reconsideration, please write us at he following address.

my EQ score is 674.