So sorry that you got denied, AJC! 
I haven't even bothered to call UMB to verify my denial 
However... I need that **bleep** Batman card! Now that I know they pull TU, I will garden for a bit, like @Janus, and hit them up with another app. If necessary, I will make a phone call and go full-blown Christian Bale's Batman on a CSR In a deep, raspy voice: "WHERE'S MY CARD, JOKER??!!!!"
Also, DC needs to ditch UMB and add a Joker card.
I wouldnt app another UMB card if i was 0/24 and made over 100k income. I will never give a bank like that any more effort than they gave us in denying us simple folk the pleasure of supporting our favorite Superheroes
. Caso Cerrado
. Caso Cerrado
Official denial came today, no mention of ARS, i got TU pulled, main reason was Excessive Revolving Credit Accounts. So if you have 27+ accounts, lol, dont bother applying
@AverageJoesCredit wrote:
Official denial came today, no mention of ARS, i got TU pulled, main reason was Excessive Revolving Credit Accounts. So if you have 27+ accounts, lol, dont bother applying
Which can also be interpreted as ...... A lot of banks have confidence in you
Lol , thanks Meanie. You know all my denials have actually been a blessing. No new accounts and no cards that i reallt didnt need. No just to get me brain and heart to be simpatico