@FinStar wrote:
@racer-x wrote:
@FinStar wrote:
@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.
Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.
So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.
And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.
Typically, unless something has changed from a U/W perspective, their lending committee may yield the same outcome. AFAIK, while some high CL approvals may still occur, they are not as prevalent compared to last year's mega-ark of approvals. Let alone if that is one of the main reasons they listed for being declined.
Yeah, probably so. And that is THE one and only reason they stated for denial. I tried callng at 4:25 today...office closes at 4:15. Seriously?
If nothing else, I want to tell them about themselves and how their CS sux. It's been 2wks since I sent a letter.
IIRC, their lending/review committee used to meet once a week for these types of reviews (not sure if that's still the case). You can always try to contact them tomorrow and check the status of your request.
While they certainly aren't as lenient as they were last year, they still approve if your scores are high enough. I was denied twice last November when my scores were in upper 600/s but was approved in January and I had plenty of inquiries and over $200 K in new credit within six months so they don't always deny for that. When I was approved in January it was an instant approval. Two months made a huge difference.
