So here is the deal, I just recently bought a house (closed Aug 17th) and within the first month the dishwasher went out. So I went to Home Depot to get a new one on credit. I was not able to get approved instantly in store, I would assume that it was to do with the address/information because my credit was pretty good. Anyways, they (Citi) said the only way they could verify me was with a "text" to my cellphone, but for some reason it was not coming through.
Long story short, I decided to go home and look who else had the dishwasher for sale.
I saw Sears and tried applying for their card, but to only find out same issue as the Home Depot card (they are both through Citi). At this point I am starting to get desperate, I need a new dishwasher and don't have the up front cash. I finally tried one of the local applicance stores here, it is through Synchrony and was instantly approved for $2500. Now, I was thinking...I do have a JCPenny card that is through Synchrony as well and have been current on it, so maybe they took that into consideration.
Then a couple days later I get an email that my Sears card had been approved!? I called to verify and sure enough...I was approved for $2500 there as well. But I never got approved for the Home Depot, weird.
So, with a new house and all, with the paying of news bills and such I was thinking I need to get an overall credit card and decided on Captial One QuickSilver Visa. I was thinking that since my auto loan is through Captial One that I should have no problem getting one through them. Applied online last night and got the message that they need to look further into my application and to wait 7-10 days. I called right afterwards to confirm and there was nothing they could do, I just had to wait. Today I saw the backdoor numbers on this forum and gave it a try, but gave me the same 7-10 days...
So, the question is...do I just wait out the 7-10 days and SEE if I am approved, or should I try applying for something like the Chase Freedom Unlimited?
For my credit overview, 720-730s, 12 years of credit, shows no lates, no delinquents, several(15) open accounts from my past and student loans, only 13% utilization, but over the past 2 years 7 inquiries(including the house and my auto loan from 02/15).
Probably so, I looked through my mail stack and found the letter for the Home Depot. The reason for decline was only due to unable to verify indentity, so other than that I should have been approved for line of credit.
Ok, well, good thing that I waited. Got my letter today that I was approved for 10K.
Never followed up on the HD. Sears was 2.5k, 10k is for the Cap1 Quicksilver.