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I applied for and was denied by Discover. They pulled my TU, which doesn't have any derogatory late payments and I just cleaned it up really well. I wanted to transfer some higher interest cards to a new card, but nope, when I called to recon, they said that my balances were too high for debt to limit ratio and I'd have to get those lowered before they'll reconsider... Uhhh... when I get those lowered, I'll probably not use CCs much, so it defeats the purpose, doesn't it?? grrr
My total CC balance is $1600 with higher interest rates. Discover had a 3.99 balance transfer rate. That bummed me out that I can't take advantage of that.
I already closed out my Orchard Bank card with the high interest and annual fee. It was only 3 years old, so it shouldn't affect my average age much.
@lagb wrote:I applied for and was denied by Discover. They pulled my TU, which doesn't have any derogatory late payments and I just cleaned it up really well. I wanted to transfer some higher interest cards to a new card, but nope, when I called to recon, they said that my balances were too high for debt to limit ratio and I'd have to get those lowered before they'll reconsider... Uhhh... when I get those lowered, I'll probably not use CCs much, so it defeats the purpose, doesn't it?? grrr
My total CC balance is $1600 with higher interest rates. Discover had a 3.99 balance transfer rate. That bummed me out that I can't take advantage of that.
I already closed out my Orchard Bank card with the high interest and annual fee. It was only 3 years old, so it shouldn't affect my average age much.
I take it you app'ed for Motiva. Any reason Motiva over More?
What did you state for your income on the app? What is your UTIL %?