No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I paid down my utilization this month, as I was considering some apps.
I had a big pile of CITI invitations (mail), Thank You, Simpilicity, DIamond Preferred with various incentives for each month of expiration. Since I was approved for BIG O tires store card last month, I thought I had a small chance. So I gave it a shot. Not suprising I was Denied.
I also had a Home Depot preapproval to apply, which I think came because of the Big O tires approval ($2300 CL). So I gave it a shot next. Approved with $7000 CL. I was very suprised at that. Thats a lot of light bulbs! Anyway I shop there and it will help a lot with my utlization, since I have 2 balances at 0% which won't be paid until next year.
So for me, blacklisting does not apply to store cards, since I have a charge off to them still on the report.
Congrats on the HD approval. Nice starting limit!
@gettnthere wrote:Congrats! awesome Cl on the Home Depot card! On the CITI denial, did they still do a HP?
Most likely. I have to wait on the letter in the mail.
For Citi Thank You Denial
"Credit priviliges on your existing accounts are currently restricted"
I think that means I am blacklisted, except for store cards.
@Wolf3 wrote:I paid down my utilization this month, as I was considering some apps.
I had a big pile of CITI invitations (mail), Thank You, Simpilicity, DIamond Preferred with various incentives for each month of expiration. Since I was approved for BIG O tires store card last month, I thought I had a small chance. So I gave it a shot. Not suprising I was Denied.
I also had a Home Depot preapproval to apply, which I think came because of the Big O tires approval ($2300 CL). So I gave it a shot next. Approved with $7000 CL. I was very suprised at that. Thats a lot of light bulbs! Anyway I shop there and it will help a lot with my utlization, since I have 2 balances at 0% which won't be paid until next year.
So for me, blacklisting does not apply to store cards, since I have a charge off to them still on the report.
HATE HOME DEPOT with an endless passion, but looks like you received a pre approval with rcwilley. i have credit with rcwilley; it is my oldest account.