topic Re: LensCrafters Denied. LOL in Credit Cards

LensCrafters Denied. LOL

Creditaddict — Tue, 06 Dec 2011 22:39:58 GMT

I just don't get them!!!

I have Joint Dillards Amex

I have Auth:

Amazon

Sams

Gap

2 Chevron

Walmart

American Eagle

CareCredit

I'm missing a couple but can't think of them right now

I also have on my own recently approved:

Walmart

PayPal MC

Also denied for Amazon last week MINUTES after the 2 above approved!

Re: LensCrafters Denied. LOL

tcbofade — Tue, 06 Dec 2011 22:43:12 GMT

Back to the dungeon with you...

Re: LensCrafters Denied. LOL

Creditaddict — Tue, 06 Dec 2011 22:47:05 GMT

@tcbofade wrote:
Back to the dungeon with you...

Yup back to fighting (I mean working) on the incorrect reporting between Santander and Capital One on EQ and EX.

Re: LensCrafters Denied. LOL

Anonymous — Tue, 06 Dec 2011 22:48:39 GMT

That's Very Interesting, Lenscrafter Financing Is Done By Your Friends At GEMB, Perhaps The Guidlines For That Card Are Higher Than The Ones You Have.

Re: LensCrafters Denied. LOL

Anonymous — Tue, 06 Dec 2011 23:05:03 GMT

@Anonymous wrote:
That's Very Interesting, Lenscrafter Financing Is Done By Your Friends At GEMB, Perhaps The Guidlines For That Card Are Higher Than The Ones You Hav
Wasnt it GEMb Amazon that denied you too?

Re: LensCrafters Denied. LOL

LS2982 — Tue, 06 Dec 2011 23:07:52 GMT

@Creditaddict wrote:
I just don't get them!!!
I have Joint Dillards Amex
I have Auth:
Amazon
Sams
Gap
2 Chevron
Walmart
American Eagle
CareCredit
I'm missing a couple but can't think of them right now
I also have on my own recently approved:
Walmart
PayPal MC

Also denied for Amazon last week MINUTES after the 2 above approved!

Man oh man.......get your old seat back in the dungeon!

Re: LensCrafters Denied. LOL

Creditaddict — Tue, 06 Dec 2011 23:09:21 GMT

@Anonymous wrote:
@Anonymous wrote:
That's Very Interesting, Lenscrafter Financing Is Done By Your Friends At GEMB, Perhaps The Guidlines For That Card Are Higher Than The Ones You Hav
Wasnt it GEMb Amazon that denied you too?

Yes and for some reason Amazon pulled 3 hard on all reports. I would assume LensCrafters did not pull TU if I was denied.

Re: LensCrafters Denied. LOL

veracious — Wed, 07 Dec 2011 00:42:52 GMT

Lenscrafters...

Seriously, if you need glasses or contacts, I would recommend seeing an ophthalmologist... for glaucoma testing etc. .

In addition, why not apply for Care Credit while you're at it.

edit to add: j/k

Re: LensCrafters Denied. LOL

bichonmom — Wed, 07 Dec 2011 00:45:11 GMT

@veracious wrote:
Lenscrafters...

Seriously, if you need glasses or contacts, I would recommend seeing an ophthalmologist... for glaucoma testing etc. .
In addition, why not apply for Care Credit while you're at it.

edit to add: j/k

LOL!

Re: LensCrafters Denied. LOL

Creditaddict — Wed, 07 Dec 2011 01:00:56 GMT

I have CareCredit already, so I probably will go ahead and use that... Was just trying to do something for X-mas for someone.

Re: LensCrafters Denied. LOL

Uncle_Money — Wed, 07 Dec 2011 01:03:17 GMT

I think the word is ..what do we say around here "garden"

Re: LensCrafters Denied. LOL

Creditaddict — Wed, 07 Dec 2011 01:07:45 GMT

@Uncle_Money wrote:
I think the word is ..what do we say around here "garden"

Oh no... I'm not ready to garden until I get Navy to unsecure my card and hopefully increase CL and for a line of credit for atleast 5k.

Re: LensCrafters Denied. LOL

Uncle_Money — Wed, 07 Dec 2011 01:11:48 GMT

Navy is awesome and they're very generous with their credit lines. The Platinum Visa I have with them is one of the highest CC limits I have @ $25K. The rate is also pretty low @ 8.9%. You'll enjoy it.

Re: LensCrafters Denied. LOL

sandsanta — Wed, 07 Dec 2011 05:59:51 GMT

You need to actually quit for a bit dude. Your reports are getting toxic and the cards you're applying for now are complete garbage. Stop pushing the envelope for what really is increasingly diminshing returns.

Re: LensCrafters Denied. LOL

android01 — Wed, 07 Dec 2011 06:29:50 GMT

@Creditaddict wrote:
@Uncle_Money wrote:
I think the word is ..what do we say around here "garden"
Oh no... I'm not ready to garden until I get Navy to unsecure my card and hopefully increase CL and for a line of credit for atleast 5k.

Every app you do is only making it worse at this point. When you approach Navy, they'll see what you've done and more than likely deny you on the spot. I'm not trying to be mean, but from many, many posts I've read here and elsewhere, your approach doesn't work. Navy will NOT be impressed. If anything, they'll be more afraid of you than they were when you got your secured card.

Re: LensCrafters Denied. LOL

Ron1 — Wed, 07 Dec 2011 08:51:47 GMT

Sorry for the denial. I had the card back in 2004 and I got approved for $1800. I used it once and never had a chance to use. They closed it due to inactivity. I didn't find any useful for the card. The Lencrafters glasses is expensive. I could get one from Costco cheaper. I didn't mind to wait for a week. I think Lenscrafters is tougher to approve than Walmart.

Ron.

Re: LensCrafters Denied. LOL

tcbofade — Wed, 07 Dec 2011 13:48:24 GMT

@Creditaddict wrote:
I have CareCredit already, so I probably will go ahead and use that... Was just trying to do something for X-mas for someone.

Really? You were going to do Christmas shopping at Lens Crafters??

Re: LensCrafters Denied. LOL

Anonymous — Wed, 07 Dec 2011 15:40:17 GMT

@tcbofade wrote:
@Creditaddict wrote:
I have CareCredit already, so I probably will go ahead and use that... Was just trying to do something for X-mas for someone.
Really? You were going to do Christmas shopping at Lens Crafters??

Maybe someone the OP knows is in need of glasses and can't afford to buy them. Several years ago, I was in that position and would have loved a brand new pair of glasses.

Re: LensCrafters Denied. LOL

Anonymous — Wed, 07 Dec 2011 15:35:54 GMT

@Anonymous wrote:
@tcbofade wrote:
@Creditaddict wrote:
I have CareCredit already, so I probably will go ahead and use that... Was just trying to do something for X-mas for someone.
Really? You were going to do Christmas shopping at Lens Crafters??

Maybe someone the OP knows is in need of glasses and can't afford to them. Several years ago, I was in that position and would have loved a brand new pair of glasses.

Very kind of OP, not sure many people would go into debt just to help someone in need

Re: LensCrafters Denied. LOL

Creditaddict — Wed, 07 Dec 2011 20:59:53 GMT

@sandsanta wrote:
You need to actually quit for a bit dude. Your reports are getting toxic and the cards you're applying for now are complete garbage. Stop pushing the envelope for what really is increasingly diminshing returns.

I have to disagree but that's why we all come here, to share and hear ideas... I don't believe I am doing anything that is "Toxic" to my credit reports, I kind of feel like Concrduser when it comes to inquirires, yes you might run into a few banks once in a while that don't like the inq but the banks that you can get a hold of an underwriter I feel a good percentage of the time end up over looking them if they like the other stuff you are doing.

Furthermore adding a Barclay card for the most part has been helpful for others and can grow over time.

The Paypal MC now actually has the best rewards of any of my current cards and for the most part (besides some CLD and declines recently from a couple other GE products like LensCrafters, I have had decent luck with them if you don't have to call them very often!!

Plus most of my business is on Ebay and most of my shopping is on Ebay or Amazon so this card will be very useful and should see heavy use.

Walmart was worth it just to stay on top of my TU score.

I won't know for a week but the only time I have been declined in the last 3 weeks is when they have pulled something other then TU, I was hoping Navy would have hit TU since they pulled that a lot in the past on me and the inq to EX from citi (actually not even sure they pulled report) I'm still blacklisted... that's what I was trying to find out!