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I am pining for a total rewards visa. I can’t tell you how much I really want this card. I apped for it back in April but no dice. Denied because of thin file. I really want to give this one more shot before my Vegas honeymoon at the end of October. I’ve given up trying to get the preapproval pop-up, but considering how much I want this card, the HP would be worth it. Before I apply, I want to have the best odds possible for getting approval. If I wait till next month, my AAoA will be 1.5 years with my new accounts at 4 & 3 months respectively. If I wait till October, the age of my oldest account will reach 4 years (student loan). Should I apply next month or wait till October? Is there anything else that I can do to improve my chances?
@Luscher wrote:
What is your score. and current utilization? any negatives?
Scores are in my sig: transunion 721 (per Discover It), Equifax 710 (myfico), Experian ? (was 713 in May). No negatives and util was 14% last month.
@Anonymous wrote:I am pining for a total rewards visa. I can’t tell you how much I really want this card. I apped for it back in April but no dice. Denied because of thin file. I really want to give this one more shot before my Vegas honeymoon at the end of October. I’ve given up trying to get the preapproval pop-up, but considering how much I want this card, the HP would be worth it. Before I apply, I want to have the best odds possible for getting approval. If I wait till next month, my AAoA will be 1.5 years with my new accounts at 4 & 3 months respectively. If I wait till October, the age of my oldest account will reach 4 years (student loan). Should I apply next month or wait till October? Is there anything else that I can do to improve my chances?
Your EQ score looks fine. How many inquiries did you have on EQ at time of denial? What reasons did they give for denial? How many new accounts do you have?