https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646072#M455314 <P>I meant 2, not 21... sorry lol</P> Tue, 16 Oct 2012 14:10:30 GMT Anonymous 2012-10-16T14:10:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646010#M455298 <P>So, now I am ready to garden which will be nice a change instead of always figuring out which card I may or may not get.&nbsp; I will wait for the Platinum card until my Green reaches 13 months at which time I will upgrade&nbsp;and will also look for a good visa card I was thinking maybe visa black card, I think&nbsp;by then my score should be well over 750.</P><P>&nbsp;</P><P>Reasons for Denial: Fico Experian too low, of 719; too many inquiries; also&nbsp;for not having had my other American Express cards long enough and no installment loans( what is this? And why do I want this type of payment plan? Sounds like it is good, if you like paying interest.</P><P>&nbsp;</P><P>Cards I have: 3 American express cards( 2 charge cards&nbsp;both NPSL and as of 10/15/2012 $12k&nbsp;limit and 1 Costco T.E. limit of $1,200.00), HSBC now Crap1 with low limit of $420, Dillards Amex $1,000, Walmart $800, Firestone Card $900 (never used), 2 other AU's from Crap1 750 and 500.</P><P>&nbsp;</P><P>I think the low limit cards from Crap 1 are hurting me but they are what is giving me my AAOA, so I can not drop them even though I&nbsp;am not a fan of&nbsp;Crap1. I was really surprised that I was denied the Platinum card yesterday. But also I applied on the phone with a rep and was told to check the site in hour I checked it 3 hours later and no application was showing up so I called and was told that there was not an application so I reapplied online and once I was done I went the the status page and sure enough the phone application was sitting right under the application I did online, stupid and I think they pulled credit for both apps, because my score was a 721 the morning I applied so I do not know what really happened because the fact I was crushed via Denial. I should not have reapplied that was just my itchy finger.</P> Tue, 16 Oct 2012 13:21:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646010#M455298 Anonymous 2012-10-16T13:21:55Z https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646054#M455311 <P>wait so you already have 21 AMEX charge cards?&nbsp; what do you need a third one for?</P> Tue, 16 Oct 2012 13:56:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646054#M455311 Anonymous 2012-10-16T13:56:46Z https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646072#M455314 <P>I meant 2, not 21... sorry lol</P> Tue, 16 Oct 2012 14:10:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646072#M455314 Anonymous 2012-10-16T14:10:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646082#M455318 <P>LOL</P><P>&nbsp;</P> Tue, 16 Oct 2012 14:17:14 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Denied-Platinum/m-p/1646082#M455318 migliogiorni 2012-10-16T14:17:14Z