topic Re: What are the chances.. in Credit Cards

What are the chances..

killer_queen229 — Mon, 30 Dec 2013 17:43:19 GMT

If I break through the cracks and apply for a card. What are the chances I'd get approved? Like such as the Chase Freedom card I've been wanting, or trying Discover IT again even though they denied me in the Summer due to "limited credit history". I just want to reward myself.

Re: What are the chances..

Burned2manybridgesB4 — Mon, 30 Dec 2013 17:45:04 GMT

How many cards aged since the last discover app?

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 17:46:13 GMT

My newest accounts are 4 months old.

Re: What are the chances..

Burned2manybridgesB4 — Mon, 30 Dec 2013 17:48:56 GMT

How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.

Re: What are the chances..

lg8302ch — Mon, 30 Dec 2013 17:53:21 GMT

My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 17:54:13 GMT

@Burned2manybridgesB4 wrote:
How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.

Secured Visa card active since March 2013.

TJ Rewards store card active since July 2013.

Old Navy store card active since July or August 2013.

Capital One Mastercard active since August 2013.

Kohls store card active since August 2013.

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August.

Re: What are the chances..

Burned2manybridgesB4 — Mon, 30 Dec 2013 17:54:53 GMT

@lg8302ch wrote:
My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...

Guessing you're the angel on one side, and I'll be the devil on the other.

Re: What are the chances..

Burned2manybridgesB4 — Mon, 30 Dec 2013 17:56:14 GMT

@killer_queen229 wrote:
@Burned2manybridgesB4 wrote:
How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.
Secured Visa card active since March 2013.
TJ Rewards store card active since July 2013.
Old Navy store card active since July or August 2013.
Capital One Mastercard active since August 2013.
Kohls store card active since August 2013.

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August.

Too many "recently opened," so I'd guess if approved at all, it'd be patheticly low limit.

Re: What are the chances..

FinStar — Mon, 30 Dec 2013 18:58:07 GMT

@lg8302ch wrote:
My 2 cents....follow your statement in your signature and stop thinking of credit cards for the moment ...

Chances are slim at best. It almost sounds like you want reassurance on this. And, as another poster mentioned, if approved...key word being *if* it will likely result in a very low CL.

Re: What are the chances..

FinStar — Mon, 30 Dec 2013 18:58:37 GMT

@Burned2manybridgesB4 wrote:
@killer_queen229 wrote:
@Burned2manybridgesB4 wrote:
How many cards were active on the last app, and are still open? This is what they'll notice. The increased age of lines opened before your last denial will work in your favor.
Secured Visa card active since March 2013.
TJ Rewards store card active since July 2013.
Old Navy store card active since July or August 2013.
Capital One Mastercard active since August 2013.
Kohls store card active since August 2013.

Last app denial was again for a TD Bank card (have been a customer since 2008) and that was in August.

Too many "recently opened," so I'd guess if approved at all, it'd be patheticly low limit.

Bingo.

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 19:37:30 GMT

Even if I apply end of January or beginning of February?

Re: What are the chances..

FinStar — Mon, 30 Dec 2013 20:26:14 GMT

@killer_queen229 wrote:
Even if I apply end of January or beginning of February?

YES!

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 20:29:34 GMT

@FinStar wrote:
@killer_queen229 wrote:
Even if I apply end of January or beginning of February?
YES!

i'm just tired of waiting. I've been good for so long and all I ever do is pay my bills.

Re: What are the chances..

BootStraps — Mon, 30 Dec 2013 20:38:20 GMT

Hang in there Killer_Queen.

I'm in the same boat as you are, and desperately wanting to app for a Discover card.

If it helps, what keeps me from apping is thinking about the irritation (at myself) I would feel for wasting a HP because I apped too soon.

Waiting sucks, but wasting pulls sucks more!!!

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 20:49:40 GMT

@BootStraps wrote:
Hang in there Killer_Queen.

I'm in the same boat as you are, and desperately wanting to app for a Discover card.

If it helps, what keeps me from apping is thinking about the irritation (at myself) I would feel for wasting a HP because I apped too soon.

Waiting sucks, but wasting pulls sucks more!!!

And the bf got me a new purse and wallet so those cards want to be in my wallet!!

Re: What are the chances..

Anonymous — Mon, 30 Dec 2013 20:54:58 GMT

@killer_queen229 wrote:
@BootStraps wrote:
Hang in there Killer_Queen.

I'm in the same boat as you are, and desperately wanting to app for a Discover card.

If it helps, what keeps me from apping is thinking about the irritation (at myself) I would feel for wasting a HP because I apped too soon.

Waiting sucks, but wasting pulls sucks more!!!
And the bf got me a new purse and wallet so those cards want to be in my wallet!!

Print out an imageof the card on cardstock, put the app date & put it in the wallet slot as incentive! You've made it this far, just do something to take your mind off the apps... like knitting or birdwatching! haha

Re: What are the chances..

killer_queen229 — Mon, 30 Dec 2013 20:57:52 GMT

I'm applying March 1st.

Re: What are the chances..

FinStar — Mon, 30 Dec 2013 20:58:05 GMT

@Anonymous wrote:
@killer_queen229 wrote:
@BootStraps wrote:
Hang in there Killer_Queen.

I'm in the same boat as you are, and desperately wanting to app for a Discover card.

If it helps, what keeps me from apping is thinking about the irritation (at myself) I would feel for wasting a HP because I apped too soon.

Waiting sucks, but wasting pulls sucks more!!!
And the bf got me a new purse and wallet so those cards want to be in my wallet!!
Print out an imageof the card on cardstock, put the app date & put it in the wallet slot as incentive! You've made it this far, just do something to take your mind off the apps... like knitting or birdwatching! haha

LOL... Good one.

Re: What are the chances..

lg8302ch — Mon, 30 Dec 2013 21:02:12 GMT

@Anonymous wrote:
@killer_queen229 wrote:
@BootStraps wrote:
Hang in there Killer_Queen.

I'm in the same boat as you are, and desperately wanting to app for a Discover card.

If it helps, what keeps me from apping is thinking about the irritation (at myself) I would feel for wasting a HP because I apped too soon.

Waiting sucks, but wasting pulls sucks more!!!
And the bf got me a new purse and wallet so those cards want to be in my wallet!!
Print out an imageof the card on cardstock, put the app date & put it in the wallet slot as incentive! You've made it this far, just do something to take your mind off the apps... like knitting or birdwatching! haha

Really nice idea.... 05/25 Barclays here I come...LOL

Re: What are the chances..

myjourney — Mon, 30 Dec 2013 21:07:19 GMT

Congrats you've been approved here's your new red card

Get to stepping back to the garden Lol

To early stay garden strong