Hmm honestly was shocked by this one.
And then I googled their **bleep** restrictions. Can apply for one personal every 8 days lol so I got approved for the Best Buy, and that explains that!
I'll probably reapply later this year.
And then I googled their **bleep** restrictions. Can apply for one personal every 8 days lol so I got approved for the Best Buy, and that explains that!
I'll probably reapply later this year.
The approval for the BB card was before the application for the simplicity, to be more clear. Sorry typing from phone.
Can I ask why you went for Simplicity vs Diamond... Did you have an offer for the simplicity? ..... The gotcha with the Simplicity is you cant PC that card ... it will always be a Simplicity... Diamond can be PC'ed into a DC.......and usually you can get the same offer as the simplicity for a 0%....
-J
@CreditCuriousity wrote:Don't think the BB card within 8 days would impact the simplicity card although could be wrong.. Reason being Best buy is their retail division and Simplicity is their legacy (core) card business and they really don't talk to each other persay.. Meaning cards like best buy, sears etc being retail are alot easier to get then their legacy cards being Simplicity, DC, etc.. Not saying your profile doesn't support it as not sure of your profile, but diff underwriting standards and I believe the 8 day rule doesn't apply between retail and their legacy side.. Now if you apply for say DC and get approved and one day and try before 8 days for say simplicity you would be denied automatically. Others can chime in, but don't believe this is the reason. Can always call and find out the reason or wait for letter
Well, apparently it does count.
Just got a letter from Citi. says ' your application's score was too low for approval because:
- Your credit report shows that 1 or more bankcards and/or revolving accounts were opened too recently.
As the ONLY reason.
Anyways, whatever, I dont need this card anymore as I have remaining 0 APR on my cards longer than I originally thought.
No problem. Well last card I have opened is the IHG. Hmm weird I'll try again in 6 months.. thanks for the advice though.
@Random_idiot wrote:
Hmm honestly was shocked by this one.
And then I googled their **bleep** restrictions. Can apply for one personal every 8 days lol so I got approved for the Best Buy, and that explains that!
I'll probably reapply later this year.
If your signature is correct, those three dergos on report could be a serious hinderance based on what ive read.....
All that said, Id call and have it reconsidered, can't hurt!
@Random_idiot wrote:
@CreditCuriousity wrote:Don't think the BB card within 8 days would impact the simplicity card although could be wrong.. Reason being Best buy is their retail division and Simplicity is their legacy (core) card business and they really don't talk to each other persay.. Meaning cards like best buy, sears etc being retail are alot easier to get then their legacy cards being Simplicity, DC, etc.. Not saying your profile doesn't support it as not sure of your profile, but diff underwriting standards and I believe the 8 day rule doesn't apply between retail and their legacy side.. Now if you apply for say DC and get approved and one day and try before 8 days for say simplicity you would be denied automatically. Others can chime in, but don't believe this is the reason. Can always call and find out the reason or wait for letter
Well, apparently it does count.
Just got a letter from Citi. says ' your application's score was too low for approval because:
- Your credit report shows that 1 or more bankcards and/or revolving accounts were opened too recently.
As the ONLY reason.
Anyways, whatever, I dont need this card anymore as I have remaining 0 APR on my cards longer than I originally thought.
I'm glad im seeing this, Helps ne stay in the weeds. 