Denied by Dillards

[sparklerd34]

ok you lost me

[TRC_WA]

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@sparklerd34 wrote:

ok you lost me

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The irony in someone with 66 cards telling you that you need to garden.

It made me laugh at least.

[sparklerd34]

Oh yea that is quite funny i truly dont intend to manage 66 cards. im just trying to get in a better place. It only made sense to me to start with my income before i try for cards.  There is no right or wrong way just how you finish is what i am seeing.

[msbia]

Sometimes it's the denials that give us the wake up call. I agree with CA to garden your new accounts; as hard as it may be TRY not to app for anything for at least 6 months to a year. The USAA card in particular can really pay off for you. I started my journey in January with a secured USAA card with $250 on it. Within 3 months of usage I was able to apply an receive an unsecured card with them. Since you have so many INQs already, I wouldn't app, but keep utilization low, pay responsibly and within a year you should be golden! Congrats on your new card and good luck; your kids will be proud of your progress, trust me!

[Anonymous]

dont let it bring you down 

[SunriseEarth]

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@Creditaddict wrote:
Right, that's why I say most of things I do because I have been there and done most of them plus 10 other things!
But even still I have a way stronger longer report to handle some of my crazy apps

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Been there, done that, and bought the t-shirt!

CA, given his extensive experience with applications, tends to give excellent advice regarding applications.   I think it's worth following.  

[SunriseEarth]

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@sparklerd34 wrote:

So I have recently been rebuilding my credit.   My bankruptcy dropped after 13 years I started in October I got Finger Hut 230 CL and was finally approved for a USAA Visa card without the rewards to rebuild.  After I had the card for a month I was approved for a capital one MasterCard credit card 300 CL and Victoria secret card 250.  I went on to get Torrid CL 250, Lane Bryant CL 250, New York and company 250 CL, Macys 600 CL, Walmart  300 CL.    I got denied for Dillard’s and it wasn’t for too many inquiries.  Dillard’s still haven’t sent their letter stating the detailed reason. I’m assuming that you have to have a very high score for Dillard’s.   I was told from Target I was denied for too many inquiries and try at a later date.   My EX score dropped 10 points to 545 EQ 563 TU 553.    Credit Karma score 578.  My capital one TU monitoring score is 602.  Not sure which one is accurate. i know Dillard’s is now managed by wells Fargo and i don’t know that they take fair credit.

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OP, as has been stated, Dillard's is now under Wells Fargo and they aren't known as being as accommodating as SyncB was.   But I think you have made a good base to build from.   I'd try them again in 6 months, once these accounts and your HPs have aged a bit.  

[sparklerd34]

Yes i agree. Ive been obessed with my credit score and so surprised i got a regular card because i had saved the money for the secured card.  I am thankful  am going to be very responsible and careful to make sure i make good of them.   Thank you!  Im done applying I only want to grow at this point I want to work towards converting my captial one to the quicksilver card down the road.

[sparklerd34]

Yea i will stop and grow these im grateful to have a fresh start.

[joltdude]

Might want to try for a good solid CU card before the Cap One. There are many that are a bit more accommodating than the big banks. Usually not good rewards but an apr that's lowish to low and can go down if not the best rate  (Oddly enough USAA is not a credit union.. but has some credit union-ish traits..)... Still think having a good solid CU card would be more useful and more accomodating in the long run.. ICurrently mines running 8.49 on a plain jane Plat card.. CU rewards cards can be rather lackluster.. there are exceptions.. (Penfed, a few others.. but your still too green for PenFed for instance)..... And as I said.. quite a few start off users with "less than lovely" rates but still less than the big guys (partially due to the regulations.. think its 18% for credit cards, but theres a loophole for the CU equivalent of a payday loan, but its still cheaper than subprime cc... that limit is 28% and has a slew of restrictions... http://www.ncua.gov/Resources/Documents/LFCU2011-04.pdf and most CUs are willing to lower your APR, some automatically, as your score improves to get their best rate...