My capital one denial stated insufficient income as the reason. My Citi denial said insufficient history and high utilization was. But you are right. Looking for a way to substantially boost my income to a moderate level
I was denied my Capital One card for insufficient income however, for my Citi card denial, it was lack of history and high utilization on my discover card.
Also keep in mind all these applications are going to make banks think twice..... foot off the gas, it’s a marathon, not a sprint. You may not want too many credit cards in college with a limited income, you could easily get yourself in trouble. ☹️
@Gregory1776wrote:Also keep in mind all these applications are going to make banks think twice..... foot off the gas, it’s a marathon, not a sprint. You may not want too many credit cards in college with a limited income, you could easily get yourself in trouble. ☹️
...and even if you are smart and don't get yourself into trouble, on paper you look like an under-21 kid who is headed down that path.
You seem aware and like you have your head fastened firmly onto your shoulders - your job now is to get your paper looking the same way. Let what you have age gracefully, and let those inqs age off so that your appearance isn't of a young guy desperate for credit so he can go blow it all on Spring Break. 
When you put it that way, i can see why the banks are suspicious of me lol. Honestly i feel like it’s an itch and getting more credit will help with that. Discover gave me a really good limit relative for my account age so I’ll just stick with them. I have a single inquiry on trans union and Equifax but 3 on Experian 
. That’s latest info from credit karma and Experian website
. That’s latest info from credit karma and Experian website
No biggie. Year and they won’t matter too much, two and they’ll be gone. Add an account in a year, something that will be helpful for you.
The card that i ultimately want to get is the Chase Freedom card. You think after 12months of AAoA and ontime payments, i would be able to get it?
I can see why you'd want to add a Visa or Mastercard to your wallet. Even if your income doesn't change, I can see where it might become less of a factor a few months down the road once your credit history ages. The main thing is to not apply for anything without checking here first. In the meantime, learn what you can, and ask questions.
Also, there's no harm in periodically checking in for limit increases on your Discover card. Simply realize that there's no rhyme or reason behind their CLI approvals or denials.
Oh yea definitely. Just found this forum on accident but it has been tremendously helpful. I've asked discover for a CLI 3 times now and they've granted two. Two were at 4 months and the other was at 6 months. Went from SL $750 to $1,200 and then to $2200 now. Should be very easy for me to maintain a low credit utilization now.
Do you have a banking relationship with Chase, or can you? Anecdotally, that's been suspected to increase the odds.