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Who do I have to $@#% to get this darn card? TBH I knew my chances were slim but since it's my goal card I gave it a go. Took a 6pt hit on EX for nothing. Even after recon no dice.
Bummer. I'm sorry to hear this.
It's unfortunate about your denial. Can you please supply us with some data points like utilization, inquiries, and the reasons for the past denials might help us help you.
@SFLSpotter9210 wrote:It's unfortunate about your denial. Can you please supply us with some data points like utilization, inquiries, and the reasons for the past denials might help us help you.
+1
@SFLSpotter9210 wrote:It's unfortunate about your denial. Can you please supply us with some data points like utilization, inquiries, and the reasons for the past denials might help us help you.
55% Util and 8 inq on Ex. 3 Inq are slated to fall off by Sept this year and 5 will no longer be scoreable after July.
I've been in the garden for awhile and was declined for a WF Cash Wise 2018 I believe. They also pulled Ex in 2018. I haven't had any recent denials. In fact I was approved for NFCU Cash Rewards for 15k the same day but I realize that NFCU is a bit less conservative.
@Anonymous wrote:Who do I have to $@#% to get this darn card? TBH I knew my chances were slim but since it's my goal card I gave it a go. Took a 6pt hit on EX for nothing. Even after recon no dice.
I don't know if this is your current EX score?
Current Score 1/4/20: EX 676 EQ 686 TU 669
55% utilization isnt doing you any favors. Don't feel bad I have 1% utilization scores in 800 range and get shot down many times for this card as well.. Some profiles they just dont like. Get that utilization down and that will certainly help you to some extent.
I shredded my last denial letter from WF but the gist was they dont like multiple cards on report being at 0 and another resson i cant recall right now. My credit score with them at time was 775 so score is meaningless to them imo. This is a lender who should be more lenient, especially to those with good credit, in light of all the bull they pulled to people. I now know never to try again for another card nor seek a cli. They just arent worth it, to me
@AverageJoesCredit wrote:I shredded my last denial letter from WF but the gist was they dont like multiple cards on report being at 0 and another resson i cant recall right now. My credit score with them at time was 775 so score is meaningless to them imo. This is a lender who should be more lenient, especially to those with good credit, in light of all the bull they pulled to people. I now know never to try again for another card nor seek a cli. They just arent worth it, to me
Really? That's weird to me - never heard of that before. Afraid someone will get their card and then rack up a bunch of debt they can't pay? Wouldn't that seem more likely if everyone had balances on everything already? I've been eyeballing this card awhile and trying to read up on DPs for it and jeebus, WF really seems to want you jumping through hoops. Not sure it's worth it...