Maybe a slightly different "barely made it" post here, but I got in with US Bank just barely... $300 limit with 750+ scores across the board, no negatives. Debt-to-income ratio is killer.
my goodness . us bank wont even accept a app from me but your case is ridiculous
HAHA this is fun. Ill "brag" about my bucket list of toy limits.
Cabelas $500 11/2015, lots of use, lots of denials for cli. cant even afford a plinker on a $500
AMEX ED $500 2/2015, its $1500 now, denied increases many times since, even going for 2x instead of 3x.
Old navy $300 12/2015, upped to $3000 real quick which was cool, but I closed it.
ive had scores from 660 to 720 but i carry THREE citibank sett;led4;ess chargeoff crosses that show on EX, one shows on TU and one EQ. This is why most sync retail cards and MC/VISA give me plenty of love, and why amex keeps a tight leash, us bank and bofa think i have credit aids still and will not give me time of day.
Barely Made it:
BofA Cash Rewards, $99/500.
I'm like FordGuy, my experian sucks!
Barely approved Penfed Promise $500, 663 Nextgen originally,
Barely approved Navy Platinum $500, 700+Fico ,
Income severely hampers one with the big 2 Credit Unions in my experience. You can have the lowest fico but still get something good if you have the income to back up your profile. No money to be made of Joe Smoe but Super Steven , oh yeah
We Ficoers Don't care about your income because We all think you are one of the nicest person on myfico plus you crack us up sometimes with your funny comments etc.
We love you AverageJoesCredit
So we Ficoers just gave you a 100k limit on a card hehe