Applied for the Amazon.com Chase Visa last night, said needed further processing. Called backdoor number this morning and said I had too many inquiries this year. I had 7 new inquiries this year. UTI is 35%. Dont have FICO Scores only have CreditKarma TU score is 641. Not sure who they pulled. 12 accounts. 2 high balance cards which is a TV from Best Buy financed with a 0% interest offer and a Ring purchase from Littman Jewelers with the same thing 0% interest offer. Should I try to call back again and tell them is there any way to approve me besides the inquiries? Or what should I say?
Sorry for your denial 
I really want this card in 6 months too, do you have a clean report?
@tsquad131 wrote:Applied for the Amazon.com Chase Visa last night, said needed further processing. Called backdoor number this morning and said I had too many inquiries this year. I had 7 new inquiries this year. UTI is 35%. Dont have FICO Scores only have CreditKarma TU score is 641. Not sure who they pulled. 12 accounts. 2 high balance cards which is a TV from Best Buy financed with a 0% interest offer and a Ring purchase from Littman Jewelers with the same thing 0% interest offer. Should I try to call back again and tell them is there any way to approve me besides the inquiries? Or what should I say?
Not sure, but I do know that they are Inquiry senistive. The are an Experian puller in CA from my experience.
Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)yes clean reports no baddies, aaoa is 8 months, oldest account is 1.5 years. i just have a lot of inquiries. my credit history is very short because im a 19 year old college student so its hard to speed up the age lol.
last time i applied for credit with chase was 6 months ago for the same card and they told me i should try back in 6 months so i did and still denied. I have like 30 inquiries on equifax and 10 on tu and im not sure on ex but i know its over 10. Im from FL btw
they told me last time i applied back in march they want to see at least 2 years of history which is why they denied me last time.
@tsquad131 wrote:yes clean reports no baddies, aaoa is 8 months, oldest account is 1.5 years. i just have a lot of inquiries. my credit history is very short because im a 19 year old college student so its hard to speed up the age lol.
I was denied in May 2010, and have plenty of revolving credit...some new at that juncture, and 15 inquiries (Experian), and EQ (5), and TU (7 or 8). I was infored that I was denied due to the inquiries. That amount (30) on a single CR is A LOT. Slow down, it will bring up some red flags which may get you denied for CC's that you may get w/o all the inquiries. Plus, the new CC laws require anyone under 21 to have a co-signer. Many of the front-line reps are just that - REPS. Search the boards here and find cards which would actuallyhelp you, instead of applying for cards which may deny you in the first place (age), and have a wasted inquiry at that.