760 Score but can’t qualify for any card

[Shan888]

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@Kforce wrote:

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@Shan888 wrote:

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@JoeRockhead wrote:

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What score is that you're quoting... Fico, Vantage? One thing you didn't provide is what your reported usage is currently on all the accounts you have now?

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Fico Scores. I put some usage every month but I pay off all my balance as soon as possible. So I have 0 balance each month. I had car loan thats already paid off. No Mortgage or anyother loan ATM.

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As @JoeRockhead posted, make sure your reports arn't frozen/locked.

Let a couple of cards report a small balance .

It might look like you arn't using cards to other issuers outside current who see

your spend even if you pay to zero.

You said you don't have any inquiries Since April_24 (Just a few months ago),

how many in last year, and total?

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I will let cards start reporting some balance. Last year I had 3 Inquiries. Which expired this April 2024.

[Shan888]

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@Horseshoez wrote:

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@Kforce wrote:

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@Shan888 wrote:

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@JoeRockhead wrote:

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What score is that you're quoting... Fico, Vantage? One thing you didn't provide is what your reported usage is currently on all the accounts you have now?

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Fico Scores. I put some usage every month but I pay off all my balance as soon as possible. So I have 0 balance each month. I had car loan thats already paid off. No Mortgage or anyother loan ATM.

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As @JoeRockhead posted, make sure your reports arn't frozen/locked.

Let a couple of cards report a small balance .

It might look like you arn't using cards to other issuers outside current who see

your spend even if you pay to zero.

You said you don't have any inquiries Since April_24 (Just a few months ago),

how many in last year, and total?

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Beat me to it!

@Shan888, let one or two cards report a small balance every month and watch your scores pop 15-20 points; possibly more.

With the above said, I put very little stock in preapprovals; virtually all of my cards were obtained when the various lending institution's preapproval sites said I wasn't approved for anything.

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I will do that from now on. I guess thats what keeping me from growing my credit profile. 

[Jnbmom]

My question is what are the reasons codes given from your denials ?

[Shan888]

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@Jnbmom wrote:

My question is what are the reasons codes given from your denials ?

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Just regular wording like cannot approve you at this time....

I just tried with Chase pre approval and I got this;

And i only have 2 cards with Chase which were opened in 2021 and 2022.

[Jnbmom]

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@Shan888 wrote:

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@Jnbmom wrote:

My question is what are the reasons codes given from your denials ?

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Just regular wording like cannot approve you at this time....

I just tried with Chase pre approval and I got this;

And i only have 2 cards with Chase which were opened in 2021 and 2022.

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So you didn't apply for any, just checked the prequalify offers? Most cards I have applied for I didn't prequalify.

[Anonymous]

have you tried calling them and asking?  Is it possible there's an identity issue?

[xenon3030]

I am well below 5/24 but I do get pre-approval offers from Chase, since they need me to unlock my credit reports and keep them open for a few days

I would say try the other pre-approval sites (Amex, citi, etc). Besides Fico8 score, there are multiple parameters that may impact pre-approval like income, debt to income ratio, any active loan, too many accounts with balances, ....

[Shan888]

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@Anonymous wrote:

have you tried calling them and asking?  Is it possible there's an identity issue?

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I mean Banks do approve me but for secured cards only lol. I have never recieved any identity alert or anything.

[Shan888]

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@xenon3030 wrote:

I am well below 5/24 but I do get pre-approval offers from Chase, since they need me to unlock my credit reports and keep them open for a few days

I would say try the other pre-approval sites (Amex, citi, etc). Besides Fico8 score, there are multiple parameters that may impact pre-approval like income, debt to income ratio, any active loan, too many accounts with balances, ....

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I did tried Amex, citi and Captial They all either want to give me secured card or nothing. I have 0 debt. and Income 90k. No loan (i had a loan but paid off before its end time) No account balances either. I pay them off fully each week

[Lou-natic]

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@Shan888 wrote:

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@xenon3030 wrote:

I am well below 5/24 but I do get pre-approval offers from Chase, since they need me to unlock my credit reports and keep them open for a few days

I would say try the other pre-approval sites (Amex, citi, etc). Besides Fico8 score, there are multiple parameters that may impact pre-approval like income, debt to income ratio, any active loan, too many accounts with balances, ....

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I did tried Amex, citi and Captial They all either want to give me secured card or nothing. I have 0 debt. and Income 90k. No loan (i had a loan but paid off before its end time) No account balances either. I pay them off fully each week

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Do you need another card for some reason? Are you looking for something in particular or just want a shiny new piece of plastic?