topic Re: How soon after you get denied for a card... in Credit Cards

How soon after you get denied for a card...

toothgrind3r — Tue, 25 Feb 2014 20:14:39 GMT

...can you reapply for the same card?

Re: How soon after you get denied for a card...

yudeology101 — Tue, 25 Feb 2014 20:20:00 GMT

Discover- 45days (according to analyst in recon)

AMEX- 30days (if you app more than one in 30days 2nd app will be auto canceled)

Re: How soon after you get denied for a card...

toothgrind3r — Tue, 25 Feb 2014 20:22:29 GMT

Ah, so these are actual rules set by the lenders? I was expecting more of a general opinion type answer.

On that note....is it BAD to, say, app again in 30 days? (using AMEX as an example)

Re: How soon after you get denied for a card...

Creditaddict — Tue, 25 Feb 2014 20:37:17 GMT

how about we use less example and who did you get denied for and what were the reasons.

some things won't change in 30 days or 2 years if say you have a BK and the bank you are applying for is a strict no bk bank!

Re: How soon after you get denied for a card...

toothgrind3r — Tue, 25 Feb 2014 20:39:32 GMT

@Creditaddict wrote:
how about we use less example and who did you get denied for and what were the reasons.
some things won't change in 30 days or 2 years if say you have a BK and the bank you are applying for is a strict no bk bank!

Ha! It honestly was just a general question out of curiousity. Haven't app'd/denied lately.

Been learning so much about everything credit related on this board, but haven't really come across this topic yet.

Was just curious.

Re: How soon after you get denied for a card...

Creditaddict — Tue, 25 Feb 2014 20:43:23 GMT

@toothgrind3r wrote:
@Creditaddict wrote:
how about we use less example and who did you get denied for and what were the reasons.
some things won't change in 30 days or 2 years if say you have a BK and the bank you are applying for is a strict no bk bank!
Ha! It honestly was just a general question out of curiousity. Haven't app'd/denied lately.
Been learning so much about everything credit related on this board, but haven't really come across this topic yet.
Was just curious.

oh okay

For the most part I would wait at least 30 days at least but again it's going to depend if you are dealing with a bank like GE were you can't recon a computer decline unless something big has changed probably wouldn't be worth it with same exact card again in just 30 days

Re: How soon after you get denied for a card...

B335is — Tue, 25 Feb 2014 23:28:58 GMT

As other have said they're all different. Citi has a limit on apps (1 every week no more than 2 every 60 days) and Chase is kind of a dark horse. Agree with 30 days as a very general rule though or if something significantly changes on your CR.