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Ritz Denied!

tag
B335is
Moderator Emeritus

Ritz Denied!

Applied shortly after the 140k link came out and got the 30 day message. Got a call from a grumpy CSR today wanting my Experian PIN code. I told her I would unfreeze and let them know. She insisted on having my PIN though. So I told her to just cancel the application. Her response, "ok ill deny it, thanks bye." Talk about a bad apple.
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: Ritz Denied!

What a salty sally.
Message 2 of 6
Kenny
Moderator Emeritus

Re: Ritz Denied!

Message 3 of 6
chalupaman
Super Contributor

Re: Ritz Denied!

Someone at JP Morgan really got their jimmies rustled already this new year or something. Lol.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 6
Anonymous
Not applicable

Re: Ritz Denied!


@chalupaman wrote:

Someone at JP Morgan really got their jimmies rustled already this new year or something. Lol.


That's a last year problem, sir. Smiley Indifferent

Message 5 of 6
upnorth
New Contributor

Re: Ritz Denied!

I too never ever give my pin. Before applying I ask which account should I unfreeze. After I unfreeze I apply. But good for you for not giving in to bullying and giving your pin. As an FYI, it is very easy to change your pin. 

UNFCU Visa Azure $45k, Sams Master Card $35k, Amex Costco $25k, Fidelity Visa $25k, Chase Freedom $18k, Cap 1 Mastercard $12.5k, Kohls $1.5k, Cancelled on my own BA $25 (it was Schwab card earlier) and Chase Saffire $22k. Also have 2 business cards with Chase and 1 Amex Open. AU Target $2500.
Scores: 11/14 EX 801; 11/14 TU FICO 805; 11/14 Van 823
Message 6 of 6
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