I applied for the Ducks Unlimited card as part of the recent app spree. I liked the 5% gas cashback, and it is probably the highest out of any cash back card.
Application went to manual review, and it has been sitting since 11/25/19. Today I received the email update that it was declined.
"Current Status: Declined
Your credit card application has been declined. A letter will be sent to you within 7 - 10 business days explaining why your application was declined."
I know that applying for an FNBO card was very ambitious, and they decline many based on new accounts and recent inquiries. Reports show that FNBO is a very conservative lender, but some select few obtained the card with more inquiries than I have racked up.
Even though I haven't received the denial letter, I can assume it was due to 7 inquiries on Experian and oldest account being 11 months old + many recent accounts. I will have to put the FNBO Ducks card to the side and hopefully get it in the future after gardening.
Edit: Mod please move post to denials forum, sorry I got mixed up
Application went to manual review, and it has been sitting since 11/25/19. Today I received the email update that it was declined.
"Current Status: Declined
Your credit card application has been declined. A letter will be sent to you within 7 - 10 business days explaining why your application was declined."
I know that applying for an FNBO card was very ambitious, and they decline many based on new accounts and recent inquiries. Reports show that FNBO is a very conservative lender, but some select few obtained the card with more inquiries than I have racked up.
Even though I haven't received the denial letter, I can assume it was due to 7 inquiries on Experian and oldest account being 11 months old + many recent accounts. I will have to put the FNBO Ducks card to the side and hopefully get it in the future after gardening.
Edit: Mod please move post to denials forum, sorry I got mixed up
We'll commiserate on your denial.
I've read somewhere that you need at least 3 years worth of good credit history, but don't take my word from it. In that case, being an authorized user did help me... that card is 2 yrs. older than my oldest credit card.
Don't give up! I re-applied after getting denied last June, stated "too many inquiries" with only 2! Just approved $15K instantly with 3 inquiries EXP pull - I think they are just a crapshoot with applications - hit and miss
