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Calling All Blispay Rejects!

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Anonymous
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Calling All Blispay Rejects!

Did you reapply? If so, when?

 

They denied me back in May, but my scores have gone up about 50 pts, and it's currently looking promising to get some old lates removed from Cap 1 Smiley Happy Just waiting on a call back from the EO. 

 

What's your experience? 

Message 1 of 12
11 REPLIES 11
tussking
Established Contributor

Re: Calling All Blispay Rejects!

What were your scores when rejected and what are they now ?
Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740
Message 2 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

673 ---> 705
Message 3 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

I misspoke, my TU is the one that went up that much. Either way, I'm waiting a bit to see how things pan out with cap 1. I believe a few people were denied Blispay and reapped later on. Just curious Smiley Happy
Message 4 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!


@Anonymous wrote:
I misspoke, my TU is the one that went up that much. Either way, I'm waiting a bit to see how things pan out with cap 1. I believe a few people were denied Blispay and reapped later on. Just curious Smiley Happy

I remember reading back when Blispay was new some members called when they were denied and the reps stated 6 months were required before reapplying. IIRC, attempting to apply online won't proceed if you enter the same info within the 6 months.

Message 5 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

Blispay only pulls EX. Just a heads up because you mentioned only your TU went up. They put a lot more value on your overall profile than just your score. Not a big fan of new accounts and multiple new inq. That is what the customer service rep told me anyhow. I was denied with a 719 EX a couple months ago and haven't tried again. But they seem to be all over the place with approvals/denials.
Message 6 of 12
ohreally7654
Established Contributor

Re: Calling All Blispay Rejects!


@Anonymous wrote:

Did you reapply? If so, when?

 

They denied me back in May, but my scores have gone up about 50 pts, and it's currently looking promising to get some old lates removed from Cap 1 Smiley Happy Just waiting on a call back from the EO. 

 

What's your experience? 


I apped in April and was denied--reapp'd between 2 and 3 months later and was approved for $4K! 679 EX at time of approval, 30 something inquiries and a lot of new accounts. Utilization was around 15%. HTH and best of luck to you if you reapply! 

Current Fico 8 Scores 11/25: TU FICO: 604 | EX FICO: 555 | EQ FICO: 548. Cap One QS Secured: $200 | Williams Sonoma Visa Signature $500 | Open Sky Secured $500 | Destiny MC $1K | Indigo MC $1K
Message 7 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

Thank you both Noble and Ohreally for your data points! I'm gonna wait until November, I think. Will be good for the holidays Smiley Happy 

 

Noble - I agree it is all over the place, and surprised you didn't get approved with your score. I was denied with a 672, I found my denial letter this morning. Wanted to shoot for 720 before I apped again. 

Message 8 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

I had 2 new accounts just hit my account when I apped. My AAoA took a pretty good hit. Again scores aren't the only thing they look at. Best to wait it out until your overall profile is in best shape for the app. Good luck !
Message 9 of 12
Anonymous
Not applicable

Re: Calling All Blispay Rejects!

Yeah they mentioned my AAOA, which is 3 years, on my denial letter. 

Message 10 of 12
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