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So, opened up my letter and figured same ole, "not enough time at current limit", but these actually threw me for loop today!!
Been 5 months since my last INQ or New acct, been gardening....Request was a SP, as Ive been frozen for 5 months. But cant argue these as they are true. I have a lot of INQ, and new accts for 2 yrs, and I do have unsecured loans. LOL
@pizza1 wrote:these actually threw me for loop today!!
Ive been frozen for 5 months. (maybe they didn't like that "knock, knock...lemme in!")
You gonna take them up on the "helpful financial tips?" (lol, they don't know you're a myFicoer!) This is how we roll!
Interesting. Thanks for sharing, @pizza1!
I often ask myself do they come to this forum and celebrate the denials that are posted. I have had the same Disco since 2012 and have made it all the way to $3,300 from $1,800. I guess my profile is just not for them.
@nuohlac wrote:I often as myself do they come to this forum and celebrate the denials that are posted. I have had the same Disco since 2012 and have made it all the way to $3,300 from $1,800. I guess my profile is just not for them.
Sounds more like a bucket issue than a profile issue. I'd be willing to bet if you applied for a new card you'd get a higher CL.
@Anonymous wrote:
@nuohlac wrote:I often as myself do they come to this forum and celebrate the denials that are posted. I have had the same Disco since 2012 and have made it all the way to $3,300 from $1,800. I guess my profile is just not for them.
Sounds more like a bucket issue than a profile issue. I'd be willing to bet if you applied for a new card you'd get a higher CL.
Thanks for the advice... I have never considered that tactic.
Interesting that Disco is doing this too. Synchrony has been sending me denial letters that actually reference my FICO reason codes instead of age of the account and insufficient experience.
My Disco letter this week was still insufficient experience.
@pizza1 wrote:So, opened up my letter and figured same ole, "not enough time at current limit", but these actually threw me for loop today!!
Been 5 months since my last INQ or New acct, been gardening....Request was a SP, as Ive been frozen for 5 months. But cant argue these as they are true. I have a lot of INQ, and new accts for 2 yrs, and I do have unsecured loans. LOL
Oh pizza1, I can't express in words how refreshing it is to read a poster's response who is owning the reasons for denial and not giving a 360-degree rant why the letter is BS.
Ok, that's my take on some of these rants anyway.
@GApeachy wrote:
@pizza1 wrote:these actually threw me for loop today!!
Ive been frozen for 5 months. (maybe they didn't like that "knock, knock...lemme in!")
You gonna take them up on the "helpful financial tips?" (lol, they don't know you're a myFicoer!) This is how we roll!
Great response LauraC