I applied, and was denied for a Citi CashRewards Mastercard. The checked Experian. I may have applied for the wrong Citi card....I have a hard time telling which ones I should go for, and which ones are too "prime" for me. I have the following scores: TU 615 EX 650 EQ 672 (real ficos) The email says I was denied for having a judgement on my report (an old student loan I haven't paid yet). Have one other collection account (unpaid) on my report that will be dropping off in less than 6 mo.
I Have five other cards, WAMU Platinum Visa $2000 CL $1100 balance, Cap 1 Platinum No Hassle Cash, $2500 limit, $1500 balance. Kohls/Chase card, $700 limit, $350 balance, Orchard Bank Gold Mastercard, $500 cl zero balance, and a Bank of Deleware/Clear card (offered through my work) with a $1150 cl and a $50 balance. I was hoping to get the Citi card so I could attempt to move into a more prime card and get a decent limit, 5K +. I applied for an account with Alliant CU last week, and my account is still being "reviewed". I got the someone will call you in three days message from my onlne application. I called today, hoping they would say I was approved, but was simply told my application is still being reviewed. Anyone think I will get the Alliant account with my scores?? Also, anyone think I could qualify for any other decent card? Went to the BOA preapproval site, and they said I was not pre-approved for anything, not even the 99/500. I went to the pre approval sites on HSBC and CAP1 and they said I have some offers available, but don't want to get another small limit card and have to work on it. I have never been late on any of the above cards, and oldest TL is about 4years and I always pay more than the minimum, but have not PIF on the WAMU or Cap1 cards in a while. I am working on my util and hope to have it paid way down in the next month or two. What should I apply for? Anything? I sent a PFD to the one open collection account, and all the CA sent me was a statement of my account. TU score is also lower due to 2 paid parking tickets sitting on that report. I sent GW letters for those, but haven't heard back on those yet. Help!