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@Johnny_Favorite wrote:The best feeling in the world is that first approval. I had been denied so many times, I was absolutely ready for them to tell me to get lost. It was with Discover. I got on the phone because it said to call them. The woman pulled my report up, then had to run a second bureau. She was looking through my file and I was ready for her to come back with the, "Ummm yeah at this time we cannot approve you" instead she said she was going to ask me a few questions. Then she didnt. She just said, "Hmmm on second thought I don't see any reason why we couldn't approve you, how does 2500 dollar limit sound?"
That was such a sweet victory - worth a thousand rejections.
Also I don't know about others but you tend to hold grudges. Like with Citi. Oh my god. They have rejected me even before I had to rebuild. I just seriously never want to do business with that godawful company.
Once I got my boa 99/500 card I was afraid to apply for anything else until I came here. I hit up Discover first and they had me call in and gave me a 1500.00 cl. I was so excited!!!
I too am a grudge holder. I know it's not right but I can't help it. *lol* Citi let me in with a shell gas card so I have no problem with them. But....I applied for a Capital One card and they pulled all 3 reports and denied me. I has just been approved with Discover and I saw that everyone here had cap one cards and so I was really upset about the denial. I figured I was a shoo in! I think maybe I applied for a card that was out of my league but I'm still mad *lol* Now they send me preapproval offers all the time and I just laugh and rip them up. I will never have a cap one card!! I applied for fingerhut over a year ago when I had no credit and even they denied me. Now they send me preapproval emails and catalogs all the time. I don't want an account with them but even if I did, I would never accept it.
The fear of rejection is hard to overcome...but we all have to start somewhere.
I have said before, on this particular rebuilding journey of mine, that I applied for cards I had no business asking for, and I was approved.
I am now gardening those babies so my numbers will look astounding for a home refi.
I went from having 2 universal cards, an HSBC card with a 3500 cl, and a Chase Slate (limit downgraded to 1800 once I paid it off, started at 3500 too - WAMU buy out) and a Target store card to being approved for a Barclay Frontier rewards mc, Amex BCE(which is the one I never should have gotten), Discover (first more, not IT) a credit union visa rewards and a citi siggy visa... in under 2 years. . and yet Chase will NOT pc that slate card to a rewards card...
bottom line? the answer is ALWAYS no until you ask . . .
I have no patience, but I also will not app in store in case of a face-to-face (and mortifying) denial. Thankfully my desire for instant an approval (gratification) is now outweighed by the Do-you-really-need/want/qualify-for-this-account thought.
@Johnny_Favorite wrote:The best feeling in the world is that first approval. I had been denied so many times, I was absolutely ready for them to tell me to get lost. It was with Discover. I got on the phone because it said to call them. The woman pulled my report up, then had to run a second bureau. She was looking through my file and I was ready for her to come back with the, "Ummm yeah at this time we cannot approve you" instead she said she was going to ask me a few questions. Then she didnt. She just said, "Hmmm on second thought I don't see any reason why we couldn't approve you, how does 2500 dollar limit sound?"
That was such a sweet victory - worth a thousand rejections.
Also I don't know about others but you tend to hold grudges. Like with Citi. Oh my god. They have rejected me even before I had to rebuild. I just seriously never want to do business with that godawful company.
Lol! Funny you mention grudges. When I turned 18 I tried applying for a discover student card, I had credit history because I was an au on my mom's card, but they flat out denied me. So I got a secured card and was too scared to apply for a credit card until a year later. I hadn't even read this forum and I went straight ahead and applied for freedom and bofa cash rewards and was instantly approved for both, ( had no idea they are "prime" cards) I now laugh at discover every time they send me offers for IT ( which is like once a week, kind of annoying) and now i am forever sour towards them, no matter how great their card might be, I'm not interested. Haha I have issues....
@LS2982 wrote:I used to feel that way until I crossed from sub-prime hell to primeville. Now if I get declined I already know why and just kick myself in the ass for the dumb app
This.
but its still hard not to give in to the itch sometimes...even when I know I am just gonna get kicked in the jibblies for it.