@Vash wrote:It was manually reviewed even before their first denial.
About 20 min after I filled the application, they called me to ask if my payroll deposit was partial or full. I told them it was partial of course.
Not long after, I got an email of denial. They counter-offered the “traditional visa” (no cash back) at $2,000. I appealed by email and later called. They told me they will get back to me soon. Then within 20 minutes of me calling them, they called me and said it was denied again. I doubt they even looked at my information again. They told me it was the management reaching the decision on uphold the “counter offer”. And they gave me 10 days to accept or decline the counter-offer.
I have had no hard pull on EX for over 14 months. With a household income of $120k+. They never asked for any support documents.
Did you appeal just once?
I think I might need to talk to a different person over there.
Yes, it was a single appeal. Very short review period (about an hour) before receiving an approval e-mail. Of note, I had applied for the same card 3 years before and was declined then, as well. for inquiries and new accounts. The differences the second time were I was 0/6, 0/12 for credit cards with a higher income and an existing savings account. The savings account is an option some have used and received pre-approvals for the credit card. Didn't work for me though.
Congrats on your approvals
@CreditCuriosity wrote:
@BigBS wrote:
@Vash wrote:It was manually reviewed even before their first denial.
About 20 min after I filled the application, they called me to ask if my payroll deposit was partial or full. I told them it was partial of course.
Not long after, I got an email of denial. They counter-offered the “traditional visa” (no cash back) at $2,000. I appealed by email and later called. They told me they will get back to me soon. Then within 20 minutes of me calling them, they called me and said it was denied again. I doubt they even looked at my information again. They told me it was the management reaching the decision on uphold the “counter offer”. And they gave me 10 days to accept or decline the counter-offer.
I have had no hard pull on EX for over 14 months. With a household income of $120k+. They never asked for any support documents.
Did you appeal just once?
I think I might need to talk to a different person over there.
Yes, it was a single appeal. Very short review period (about an hour) before receiving an approval e-mail. Of note, I had applied for the same card 3 years before and was declined then, as well. for inquiries and new accounts. The differences the second time were I was 0/6, 0/12 for credit cards with a higher income and an existing savings account. The savings account is an option some have used and received pre-approvals for the credit card. Didn't work for me though.
Comparing your profile to OP's profile is apples to oranges in many areas as you know as you have been around for quite some time. Scores are just one part of the equation. I feel bad for OP, but has a pretty limited credit history, not big limits and well fairly new to credit and at a newer job to boot. A lot of things going on with their profile why they likely denied them. I think excessive credit seeking wasn't the main reason and could of been overcame as you overcame it with 2+ million in credit. They didn't care about my absurd amount of credit either when I use to be with them. I think if OP applied again in say a year once more matured credit profile and other limits over 5k and longer time at job in current economic conditions they likely would approve for said card if OP doesn't go on an app-o-rama.
@CreditCuriosity- wasn't doing a comparison just providing my experience.
Hohoho!
I have one big surprising update!
As you can see, I appealed again (with lots of details to explain my credit history, my job history, especially focused on my past hard inquiries, including one hard pull from simply joining another credit union). Redstone overturned their "counter offer" of $2,000 traditional visa, and instead offered me Visa Signature with $5,000 credit limit. All they asked were two most recent paystubs. I sent the requested paystubs rightaway. They had more snow days and stayed closed until today. And just one hour ago I received docs to sign. So I signed while having dinner.
According to them, I will receive my Redstone Visa Signature in 7-14 days. 
By the way, I received all my other 4 cards already.
AAA Daily Advantage (Applied on 1/3, received on 1/12)
Apple Card (Applied on 1/10, received on 1/16)
American Express Blue Cash Everyday (Applied on 1/10, received on 1/18)
Paypal Mastercard (Applied on 1/10, received on 1/20).
Plus Redstone Visa Signature, I basically got five new cards in one month 
That was with 777 FICO 8 score in both EX and TU. But with just 14 months of credit history on a single Discover IT Chrome card (graduated from secured card), two authorized user cards, and a Huntington "Standby Cash" account which is counted as "line of credit" by credit bureaus.
Well, once again, I did not apply for new credit cards for the sake of needing money. I just want to save money with great cash backs on the "better cards". Now I will have 5% cash back on groceries, restaurants, and gas. My wife just got a new Prime Visa signature in addition to her one year old Capital One Walmart, eaxh can get 5% on their websites. For any other online shopping, I can use PayPal for 3% with PayPal master card or AMEX Blue Cash Everyday. For any other not covered categories when in store, I can get 2% cash back with either Apple Card on Apple Pay, or with physical card of PayPal Mastercard if Apple Pay is not accepted.
Now I have my eyes on Citi Custom Cash, and US Bank Cash Plus. But I will be gardening for at least a year first 😂. I might let my wife to apply for a second AAA Daily Advantage to double the $10k annual spending limit on groceries since we will exceed that amount as a family of four.
Your thoughts? 
