Introduction and What step do I take?

[Anonymous]

Ok. Didn't want to post a book in my first try:

I have no problem closing credit one. Used it a few times, made about 5 monthly payments, asked for CLI on wed through the auto system and was denied. Should I call and try with a person and keep it if they agree to no AF and a CLI. Or just close it? 

I applied for a discover it back in July - denied. 

I also applied for Barclays at the same time and was denied. Even though I had a $12.5k card with them in 2007 paid perfectly. Still nothing. 

My last thought is my FCU here in town is really loose with approvals. That would be my last before gardening for about 6 months. 

[Creditaddict]

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@Anonymous wrote:

Ok. Didn't want to post a book in my first try:

I have no problem closing credit one. Used it a few times, made about 5 monthly payments, asked for CLI on wed through the auto system and was denied. Should I call and try with a person and keep it if they agree to no AF and a CLI. Or just close it? 

I applied for a discover it back in July - denied. 

I also applied for Barclays at the same time and was denied. Even though I had a $12.5k card with them in 2007 paid perfectly. Still nothing. 

My last thought is my FCU here in town is really loose with approvals. That would be my last before gardening for about 6 months. 

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yes close credit one.

skip discover and barclay and go for your FCU and then garden... good plan!