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Almost there...

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afbar1114
Valued Contributor

Almost there...

I apped for BCE denied (sp) reason… your fico score is too low. Well that kinda felt like a good denial letter
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 22
21 REPLIES 21
myjourney
Super Contributor

Re: Almost there...

What was your score

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 22
afbar1114
Valued Contributor

Re: Almost there...

641
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 3 of 22
myjourney
Super Contributor

Re: Almost there...

A little more time and im sure you'll be there...good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 22
Anonymous
Not applicable

Re: Almost there...

I think you need at least 720. 641 is borderline approval for their charge card.
Message 5 of 22
Repo-ed
Senior Contributor

Re: Almost there...

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 6 of 22
Anonymous
Not applicable

Re: Almost there...


@Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job. Smiley Very Happy

Message 7 of 22
ObeyJohnny12
Established Contributor

Re: Almost there...

Give it a few more months and you'll be golden for approval.
Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 8 of 22
Anonymous
Not applicable

Re: Almost there...

If it was experian, you now have 3 months of free daily report access. Congrats!
Message 9 of 22
seattletravels
Valued Contributor

Re: Almost there...


@Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


Too funny.  I haven't been on this board in since I bought my house a year ago - but I remember appbar.



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 10 of 22
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