@FinStar wrote:
@donkort wrote:
I was approved for $8,000 with a 12.99% interest rate. I refused the offer. My score was 824 (TU Bankcard)
I was declined with a 750 TU Bankcard score. Because of a recent 30-day late.
A bit confusing to follow @donkort
First sentence states you were approved, but refused their $8K 12.99% offer. Typically, the process ends there since you didn't proceed any further.
But, the second sentence states you were declined. Was this some time ago or after you tried accepting the recent offer?
I post like that sometimes when my split personality kicks in.
{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
