Kay Jewelers reason for denying credit........

Anonymous · ‎05-17-2012

excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?

CreditWorld2013 · ‎05-17-2012

I honestly think you need to stop applying already! You are at that point of either getting stuck in low limit land or just instant denials. You appear to have the same addiction that another poster has on here. Step back for a while and think of your current crop of cards and take care of them.

Anonymous · ‎05-17-2012

@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?

That shouldn't surprise you.. Once you cross over about 6 inquiries within the last 6 months that aren't car loan or mortgage related your pretty much a credit leper, no one wants to touch you. This is the point where you have to wait at least 6 months if not a whole year before applying for anything else.

I guess that's why people who are trying to add credit cards do so in app sprees spaced 6 months to a year apart. Some lenders won't approve you if you have more than 2 inquiries in the last 6 months. Some examples are Barclays, Citi, and Discover.

It's called credit seeking behavior and creditors pretty much universally assume you are in some kind of financial trouble and trying to live on credit.

Edited to add: Just realized this response might sound snooty, so, to clarify, I'm in the same boat. When you start getting declined for easy to get cards, it's time to stop.

Anonymous · ‎05-17-2012

@Anonymous wrote:
@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?
That shouldn't surprise you.. Once you cross over about 6 inquiries within the last 6 months that aren't car loan or mortgage related your pretty much a credit leper, no one wants to touch you. This is the point where you have to wait at least 6 months if not a whole year before applying for anything else.

I guess that's why people who are trying to add credit cards do so in app sprees spaced 6 months to a year apart. Some lenders won't approve you if you have more than 2 inquiries in the last 6 months. Some examples are Barclays, Citi, and Discover.

It's called credit seeking behavior and creditors pretty much universally assume you are in some kind of financial trouble and trying to live on credit.

I guess so..I don't really keep balances though on what I have, my utilitization is like less then 20% on a bad month less then 10% is what i strive for..but i guess you are right I might have to just wait for the CAp one Step Program to kick in and GE CApital to do what they do best auto CLI.

Anonymous · ‎05-17-2012

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?
That shouldn't surprise you.. Once you cross over about 6 inquiries within the last 6 months that aren't car loan or mortgage related your pretty much a credit leper, no one wants to touch you. This is the point where you have to wait at least 6 months if not a whole year before applying for anything else.

I guess that's why people who are trying to add credit cards do so in app sprees spaced 6 months to a year apart. Some lenders won't approve you if you have more than 2 inquiries in the last 6 months. Some examples are Barclays, Citi, and Discover.

It's called credit seeking behavior and creditors pretty much universally assume you are in some kind of financial trouble and trying to live on credit.

I guess so..I don't really keep balances though on what I have, my utilitization is like less then 20% on a bad month less then 10% is what i strive for..but i guess you are right I might have to just wait for the CAp one Step Program to kick in and GE CApital to do what they do best auto CLI.

LOL, yeah, same here.. I tried app'ing for one more thing once all my store cards posted $0, but, yeah, still a credit leper. I tried a recon and customer service rep said with 6 inquiries in the last 6 months and new accounts that I was utterly untouchable, and it was for an easy to get card. Even if your scores improved, it doesn't matter, they still freak out about new accounts and inquiries..

Anonymous · ‎05-17-2012

how many inquiries did you have? is your current 607 score accurate?

Anonymous · ‎05-17-2012

@Anonymous wrote:
how many inquiries did you have? is your current 607 score accurate?

Plus with all the new accounts you have recently opened, do you really need a jeweler card.....?

Anonymous · ‎05-17-2012

@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?

If you keep applying, the new accounts that you did get will start closing on you. They will do it without warning you because they see you as a credit threat. You need to leave well enough alone if you care about your credit. If you dont much care, then by all means carry on. Just my humble opinion for what it may be worth.

Anonymous · ‎05-17-2012

@Anonymous wrote:
@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?
If you keep applying, the new accounts that you did get will start closing on you. They will do it without warning you because they see you as a credit threat. You need to leave well enough alone if you care about your credit. If you dont much care, then by all means carry on. Just my humble opinion for what it may be worth.

To piggyback off that, maybe the OP should give this site a lookover: http://www.scoreinfo.org/

Anonymous · ‎05-17-2012

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
excessive inquiries.............

thats all it freaking says! wth.....can i backdoor them ?
If you keep applying, the new accounts that you did get will start closing on you. They will do it without warning you because they see you as a credit threat. You need to leave well enough alone if you care about your credit. If you dont much care, then by all means carry on. Just my humble opinion for what it may be worth.
To piggyback off that, maybe the OP should give this site a lookover: http://www.scoreinfo.org/

Cool.site. i had never seen those statistics from fico broken down by area of the country like that. I had with plus scores, but really interesting coming from fico. Thanks for passing that on. I book marked it myself for.later educational reading.