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Hello fellow FICOers, what are the odds of me being able to get the Uber Visa card and the Paypal 2% mastercard? My credit scores and current cards are in my signature along with my AAoA. I applied for the Paypal 2% mastercard back in March and was denied for too many inquiries. Only had 4 inquiries when i was denied for it but my AAoA at that time was 6 months and i think it was due to my short credit history that Synchrony denied me. What would be my odds for both of these cards when i let my oldest account reach 1 yr?
TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]
AAoA = 2 years, AAoOA = 3 year 1 months
Wait 6 months.
Good luck
I'd wait a few more months, but then you should have good approval odds for both. Even with a short history, I'm surprised you were denied for the PayPal 2% MC in March. I applied around the same time with a TU score of ~680 and was approved with a 2k SL. AAoA was around 15 months at the time. With your scores, I think you'll be in line for a nice approval on the PayPal when the time comes.
That's the only explanation that i've thought of. Because at that time, i had low 700s across all the bureau and exactly 6 months AAoA. Also they pulled Experian instead of Transunion in my case and Experian had most of my inquiries on it
TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]
AAoA = 2 years, AAoOA = 3 year 1 months
I reconed almost immediately after submitting the application and getting a 7-10 day message.
I went to use the restroom and then called the backdoor number. It was around 4:00 PM on a Tuesday.
Thanks for responding. I just got off with a rep and they said I was denied because i needed to submit more docs or something. Gave me a PO Box to send copies of DL, SS#, and utils/bank statement.
@BH1985 wrote:I reconed almost immediately after submitting the application and getting a 7-10 day message.
I went to use the restroom and then called the backdoor number. It was around 4:00 PM on a Tuesday.