This is the Apr range I'm speaking of:
ooo! my apologies for the misinformation. gee i must have used that tool 100 times during my 10-12month of credit history and never looked past the 0 apr mark LOL. i stand corrected
either way, dont be bummed OP. i have so many inquiries on my report trying to get lenders to trust me to take on the responsibility i was exactly in your shoes worrying about them. just hit 12 mo and try again
reading up on your other post it sounds(correct me if im wrong) like you’re at a pretty low inquiry count compared to me and ultimately its just the history length that swayed the decision. best wishes
either way, dont be bummed OP. i have so many inquiries on my report trying to get lenders to trust me to take on the responsibility i was exactly in your shoes worrying about them. just hit 12 mo and try again
reading up on your other post it sounds(correct me if im wrong) like you’re at a pretty low inquiry count compared to me and ultimately its just the history length that swayed the decision. best wishes
@elixerin wrote:
ooo! my apologies for the misinformation. gee i must have used that tool 100 times in my 10-12month of credit history and never looked past the 0 apr mark LOL. i stand corrected
either way, dont be bummed OP. i have so many inquiries on my report trying to get lenders to trust me to take on the responsibility i was in exactly in your shoes worrying about them. just hit 12 mo and try again
I'm not saying you are wrong....I may be wrong about the "set" apr. I am trying to find my screenshots now. There is a range, big deal....but I may have mixed up a bank with this one. I will edit my first response if and when I find it. Glad you did post so I am double checking.
Wanna try BB&T, Citi? 
In all seriousness, stick to the original plan of gardening as you mentioned further upthread. I mean, if you want to continue on this path for the sake of science to help others, then go for it.
There's a variety of factors that did not score high enough on their internal "scale" to approve your application. That's the bottom line. Income may have been cited as one factor, but it's fairly certain other elements were involved - you only need to be provided one reason.
Another item to keep in mind, it is a futile effort to keep comparing your profile, income sources, etc. to those of others - no two profiles are alike. While DPs can serve as some sort of barometer to gauge the odds, it's not exact science. And, just as has been mentioned in previous discussions, pre-approved offers are not 100% guaranteed. Yes, they can display for you (or anyone), but you don't have to submit an application if you know the odds may not yield a fruitful outcome (or feel like you have to apply).
Allow your profile to thicken up + scores to rise, and eventually things might be more favorable down the road. Racking up HPs with a thin profile doesn't help your cause, unfortunately.
@FinStar wrote:Wanna try BB&T, Citi?
In all seriousness, stick to the original plan of gardening as you mentioned further upthread. I mean, if you want to continue on this path for the sake of science to help others, then go for it.
There's a variety of factors that did not score high enough on their internal "scale" to approve your application. That's the bottom line. Income may have been cited as one factor, but it's fairly certain other elements were involved - you only need to be provided one reason.
Another item to keep in mind, it is a futile effort to keep comparing your profile, income sources, etc. to those of others - no two profiles are alike. While DPs can serve as some sort of barometer to gauge the odds, it's not exact science. And, just as has been mentioned in previous discussions, pre-approved offers are not 100% guaranteed. Yes, they can display for you (or anyone), but you don't have to submit an application if you know the odds may not yield a fruitful outcome (or feel like you have to apply).
Allow your profile to thicken up + scores to rise, and eventually things might be more favorable down the road. Racking up HPs with a thin profile doesn't help your cause, unfortunately.
Heck, I may even try TD bank at some point since they gave me a RedCard approval without any quams tho a low CL.
As I said another HP didn't really harm me too much since I am going to the graden for two years anyways. What's another month if I'm going to wait two years anyways?