Overstock.com MasterCard because of 12njoy

[bk510]

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@12njoy wrote:

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@someg33k wrote:

Good luck. 

I have read numerous times that FNBO can be pretty tough on inquiries and new accounts. That's a card I want as well so I'll be interested in seeing how this turns out for you. FNBO approved me 4 months ago for a VISA and I'm afraid to app for anymore of their cards for a while. Even though they keep sending me invitations to apply...

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I'ts got to be from another source other than EX IMO.  I have 40+ new accounts and like 34 or 36 inquiries on EX at time of this application.  There's no ryme or reason.  I'm not complaining but geez.

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This is the biggest total limit I have ever seen in this forum.......Hell of a job.

congrats, 12

[Creditaddict]

View Application Status Application Declined

Date Application Received:	10/19/2015
Applicant Name:	CreditAddict
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.

[12njoy]

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@bk510 wrote:

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@12njoy wrote:

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@someg33k wrote:

Good luck. 

I have read numerous times that FNBO can be pretty tough on inquiries and new accounts. That's a card I want as well so I'll be interested in seeing how this turns out for you. FNBO approved me 4 months ago for a VISA and I'm afraid to app for anymore of their cards for a while. Even though they keep sending me invitations to apply...

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I'ts got to be from another source other than EX IMO.  I have 40+ new accounts and like 34 or 36 inquiries on EX at time of this application.  There's no ryme or reason.  I'm not complaining but geez.

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This is the biggest total limit I have ever seen in this forum.......Hell of a job.

congrats, 12

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Thanks.   There are others with far more than me.   Ron, B335, Finstar, Creditaddict to name a few

[12njoy]

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@Creditaddict wrote:

View Application Status Application Declined

Date Application Received:	10/19/2015
Applicant Name:	CreditAddict
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.

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Sorry to hear CA.  Let's see what the letter says.   Would you be willing to open a secured card if they offered?

[Creditaddict]

Yes!

[ddemari]

Sorry CA! If they offered me a secured card when I was declined I'd do it too lol. Unfortunately all they had was a no go.

[12njoy]

When you get letter I would give them a call and ask.   If not a secured overstock.com maybe that secured Speedway Mastercard 

[CreditMagic7]

Crap

Thanks CA for testing as the GP for it.

I was expecting maybe before the holidays just maybe they might been a bit more intent on adding new customers to their pool without the usual harsh restrictions that i experienced with them the last time that i tried. But i suppose not?

They have a U/W Dept and so you'll no doubt want to try to get that overturned?

[12njoy]

It's got to be more than EX that they are looking at.  Geez my ex score is like 725 (not bad but not great) and 34+ inquiries on EX and a ton of new accounts.  This tells me it has to be more than that.  Maybe CA you could inquire once you get the letter what they look at.  I know it's a remote possibility, but they might tell you if phrased in a way to help you qualify later on.  That would be good data point for others and yourself

[CreditMagic7]

Curious to see how things go for CA on recon. I think i tried a couple of times last year but they still wouldn't budge for me over my inquiries however my file at the time was razor thin too. Unlike now.