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Getting denied for everything..

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subwaysandwich
Frequent Contributor

Getting denied for everything..

It was expected since I have 20+ inquiries on each report...Well, all the work has been frontloaded and will all fall off in 2 years and my accounts will age. Smiley Very Happy

Message 1 of 22
21 REPLIES 21
mongstradamus
Super Contributor

Re: Getting denied for everything..


@subwaysandwich wrote:

It was expected since I have 20+ inquiries on each report...Well, all the work has been frontloaded and will all fall off in 2 years and my accounts will age. Smiley Very Happy


You have some good cards already and with the 20 inq , you need to spend some time in the garden imo. QS+ SM is an good combo that can cover an lot of purchases. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 22
subwaysandwich
Frequent Contributor

Re: Getting denied for everything..


@mongstradamus wrote:

@subwaysandwich wrote:

It was expected since I have 20+ inquiries on each report...Well, all the work has been frontloaded and will all fall off in 2 years and my accounts will age. Smiley Very Happy


You have some good cards already and with the 20 inq , you need to spend some time in the garden imo. QS+ SM is an good combo that can cover an lot of purchases. 


I usually just use whatever card has the highest cashback for that particular purchase. Is this a bad method since it might split up my rewards and will make it harder to high those minimum redeem limits (ie. minimum of $25 or $50 to redeem)? Garden for life now!!

Message 3 of 22
tonyjones
Valued Contributor

Re: Getting denied for everything..

Join the garden with me!!!!!!!! for two years lol

Current Fico Scores: (November 2024)
Message 4 of 22
subwaysandwich
Frequent Contributor

Re: Getting denied for everything..


@tonyjones wrote:

Join the garden with me!!!!!!!! for two years lol


Lets do it!!

Message 5 of 22
tommywerdine
Regular Contributor

Re: Getting denied for everything..

Come join us! WTG!!!!


My Wallet: NFCU cashRewards $10k | TobyHanna FCU $10k | Black Card $5k | NFCU goRewards $2.5k | Citi Diamond Preferred $2k | DCU Plat Rewards $2k | Huntington Voice $1250 | AmEx Delta $1k | Cap1 QS $300 | Cap1 Secured $500 | J Crew $4.9k | Walmart $2.5k | Kay $1k | Jareds $1k | HomeDepot $1k | FingerHut $900 | Macys $800 | Phillips66 $750 | Buckle $300 | Express $250 In The Garden Since: August 4, 2014. TU FICO: 711 (via Walmart) | EQ FICO: 699 | EX FICO: 677 Goals:700+ on all three.
Message 6 of 22
chalupaman
Super Contributor

Re: Getting denied for everything..

I second everyone here. Just take a long break from applying for cards. I've tried to do so but couldn't help but get out of the garden recently. I think it's much easier to achieve when you have more of the cards that you actually want.

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 7 of 22
Closingracer99
Valued Contributor

Re: Getting denied for everything..

I went from 4 Cards. My Discover it , Amazon Store , Amex BCE and Chase amazon card to 14 after I hit 1 year with my Discover it card which is my oldest.


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 8 of 22
juggalo9er
Valued Contributor

Re: Getting denied for everything..

there is always credit one! rofl

Message 9 of 22
Closingracer99
Valued Contributor

Re: Getting denied for everything..


@juggalo9er wrote:

there is always credit one! rofl


I rather use my Debit card lol 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 10 of 22
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