better balance card declined

[slicemans]

I was declined for better balance card. I immidiatly called the recon line.. They pulled experian. He looked at it and said he couldnt do anything about it. Due to lack of credit history.  Experian 730 at that time. The thing is I applied for this card year ago. and was declined for the same reason. The recon guy year ago said I have a gredit credit limit. He said come back in 6 months. What would you do?

[ojefferyo]

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@slicemans wrote:

I was declined for better balance card. I immidiatly called the recon line.. They pulled experian. He looked at it and said he couldnt do anything about it. Due to lack of credit history.  Experian 730 at that time. The thing is I applied for this card year ago. and was declined for the same reason. The recon guy year ago said I have a gredit credit limit. He said come back in 6 months. What would you do?

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Where did you get the score from? You can try to recon again, it doesn't hurt since you've already taken the HP. Also ask them how much history is neede to get the card if they decline you again.

[slicemans]

It was pulled here FICO experian score. Well I did ask the guy that question. He would not give me an answer. I will try again

[ojefferyo]

I would call again, some are willing to work with you and some aren't. 

[Anonymous]

I vote call again.  12 month history with a credit card should give some weight. Dang it.

[Anonymous]

BofA seems like it doesn't want to issue credit. I was declined with a 720 ex score and 11% utilization. They cited my length of credit history which was 18 months and the dollar amount owed on my cards and pulled the 6 month wait on me too, then sent the 99/500 card offer in the mail.

I will never apply to that bank again.

[Anonymous]

I vote calling again also. I reconned to get the BBR but only received $500. For me, BofA has been pretty conservative. I had another Bofa card at the time and they transferred the $500 from my other card to open BBR but then gave me an auto of $500 6 months later...

[Anonymous]

Let us know what you decide to do.

[slicemans]

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@Anonymous wrote:

Let us know what you decide to do.

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I called again. He couldnt approve me due the same reason. Told me to come back again in 6 months.  I asked  what history are they looking for. He said we dont have a specific histroy we look at. All the credit reports play in role