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Ebates Visa Declined... 3rd time is not a charm!

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Creditaddict
Legendary Contributor

Ebates Visa Declined... 3rd time is not a charm!

I know it's like the hardest GE Card to get these days and for some reason I just really want it... well I mean I do use Ebates a ton... My check last month was over $120 so with my recent GE success I thought I would try again and again instantly denied Smiley Sad

Message 1 of 10
9 REPLIES 9
chalupaman
Super Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!

I'm not really that familiar with that card but sorry to hear that.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 10
TRC_WA
Senior Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!

Too many inquiries?

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 10
Creditaddict
Legendary Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!


@TRC_WA wrote:

Too many inquiries?


when it comes to a computer denial letter im only interested in who they pulled and what score... otherwise letters are worthless...

 

of course it's going to say inquiries

past baddies

to many new accounts.

 

Message 4 of 10
CreditMagic7
Mega Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!

GE is in a bad mood right now. Can't even get a CLI on amazon store card Smiley Indifferent

Message 5 of 10
TRC_WA
Senior Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!


@Creditaddict wrote:

@TRC_WA wrote:

Too many inquiries?


when it comes to a computer denial letter im only interested in who they pulled and what score... otherwise letters are worthless...

 

of course it's going to say inquiries

past baddies

to many new accounts.

 


So you get a score update like 5 times a week eh?

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 10
Creditaddict
Legendary Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!


@TRC_WA wrote:

@Creditaddict wrote:

@TRC_WA wrote:

Too many inquiries?


when it comes to a computer denial letter im only interested in who they pulled and what score... otherwise letters are worthless...

 

of course it's going to say inquiries

past baddies

to many new accounts.

 


So you get a score update like 5 times a week eh?


LOL! Smiley Tongue

Message 7 of 10
yudeology101
Senior Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!

Hmmm...Ebates.  Sounds like a challenge! 

 

I think Golfsmith is one of those hard GE cards to crack, i've tried twice already and both times were left w/ a big NOPE.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 8 of 10
takeshi74
Senior Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!


@Creditaddict wrote:

when it comes to a computer denial letter im only interested in who they pulled and what score... otherwise letters are worthless...

 

of course it's going to say inquiries

past baddies

to many new accounts.

 


If you have derogs then the derog reason isn't worthless (and they certainly have a singificant impact on score).

Message 9 of 10
juggalo9er
Valued Contributor

Re: Ebates Visa Declined... 3rd time is not a charm!


@Creditaddict wrote:

I know it's like the hardest GE Card to get these days and for some reason I just really want it... well I mean I do use Ebates a ton... My check last month was over $120 so with my recent GE success I thought I would try again and again instantly denied Smiley Sad


addict just some food for thought....

http://pandce.proboards.com/thread/253554/cash-back-ebates-upromise

Message 10 of 10
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