Hi guys!! I'm new to the forum...ummm no, not really lol. Anytime I would need help or confused about something I could google MyFico and read soooo many posts...I finally decided, hey why not join!! Glad to be here :-)
My journey with credit re-started a few years ago. Restarted as in no real credit history but 1 baddie from 7 years ago due to a loan I could not maintain. That recently fell off and I immediately applied for an Amex Delta card. Approved for $1000. A few months later after paying that card on time and in full, I received an offer to apply for the Amex charge card!! Aaaaaggh approved!!! My credit score at this time was 640. I believe Amex cared more about the relationship I had built with them than my score. Citi Card next approved for $800.
I did not apply for anything else for about a year which leads me to this year, 2018. I applied for a capital one platinum card. After receiving a "under review" screen called and found out I was not approved due to a fraud alert I had recently signed up for and would have to remove it to proceed. Had to call all 3 bureaus and get it removed and have my application "reprocessed" which I found out meant run my credit again! So 2 hits for 1 application that got approved for $1000. Next applied to Neimans which is a capital one backed card...received the call to verify info email. Called, told I was denied. After literally calling 50 million times to try to reach someone that could help verify, was approved for $2000. (CLI to $3,000 after just 1 month and paying triple the statement)
I shop at both Saks and Neimans a lot and was surprised to see Saks is also Capital One backed. Applied as my credit score is 690 now, no baddies, 100 payment on time, no more than 6 inquiries, and 22% util and was given the under review screen (aren't those so frustrating!!). Called and was told have to wait for letter in the mail. I was told this by about 20 agents (I'm a firm believer in sometimes you have to keep calling til you get what you want!!) The letter finally came saying denied but no reason why and I could write for that...um no thanks!!! After reading posts on here (thanks guys!!)...I emailed EO and told them I have 2 other capital one cards and if I'm denied it has to be for verification reasons. (No I wouldn't let it go) Someone called me and said they would look into the matter...very nice lady named Lisa!! Called me back 3 hrs later and said it was indeed a verification issue and apologized and said someone would call me later that evening if I wanted to proceed with my application. I said I did, thanked her and that same night Saks called, sent a code to my phone they wanted me to verify and approved me for $750
It's not a lot but def my foot in the door and shows sometimes that no isn't really a no...its just a keep trying!!!! My journey continues!!!
3-2019 / Fico 8 EX 802 , EQ 803 , TR 805 Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k