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Ducks Unlimited Approval Odds?

Frequent Contributor

Re: Ducks Unlimited Card Approval Stats

@Irish80

 

Oops! Sorry! I thought the questions were different “enough” LOL. 

AMEX BCE:18k
Discover It: 17.2k
Citi DC: 3.7k
US Bank Cash+: 1k
Barclays Apple Visa: 4.5k
Message 11 of 13
Moderator

Re: Ducks Unlimited Card Approval Stats


@pinkandgrey wrote:

@Irish80

 

Oops! Sorry! I thought the questions were different “enough” LOL. 


It’s ok.  No big harm.  Cut off your left pinky and we will forget this transgression. Smiley Tongue

 

 

Message 12 of 13
New Contributor

Re: Ducks Unlimited Card Approval Stats

*Data Points on my App Process
-They Pull EX every time for me in CO.
-8 INQ’s at the time of my pull (4 recent from car shopping, most of the other INQ were older than 6 months with the exception of the FNB Rewards Card I got 4 months ago)
-2 New Accounts at 4 months old FNB Rewards Card & Furniture Row
-AAoA was 2yrs 2m
-Income 120k
-Score was 666 on first pull (Denied for too many INQ’s)

* I did RECON on denial
-caused another HP on EX
-score was up to 678 at this point
-Appproved after explaining my INQ’s were due to the car shopping & that I already have a card with them I’m good standing.

My Judgement
You would be denied. Your AAoA is LOW compared to your oldest account which means you probably have 2-4 new accounts within the last 4-6 months or less also you have 8 INQ’s on EX which corroborates the fact you have many new accounts which lowered your AAoA greatly. From my experience FNB is 5/24 or LESS.




In the Garden until 2020
Goal: Let accounts age | 750 Score | INQ’s fall-off


EX: 676 (F8)(9inq) | TU: 666 (F8)(7inq) | EQ: 676 (VS)(5inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late
19% Utilization | AAoA: 2yrs | Oldest Account: 3yrs, 5m | Updated: Dec. 2018 | $19,000 TL
Message 13 of 13