SpringLeaf Financial

[xXIDaShizIXx]

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@Creditaddict wrote:
So confused:
1. Who is your secured card with? Limit and balance?
2. What is your income you are putting on apps?

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Capital One - 500

Income - 30k

[Creditaddict]

Apply for the citi forward for students credit card.

[xXIDaShizIXx]

I had tried the discover it for students. Do you think it would be the same result?

[Creditaddict]

No, each bank is different

[xXIDaShizIXx]

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@Creditaddict wrote:
No, each bank is different

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Alright I'll try. Keep you posted.

[xXIDaShizIXx]

And same result, same reason why.

[sailor_mercury]

I'm really sorry.  I wish I had a great piece of advice

I am no where near an expert but you should look at your credit reports and make sure that a lack of history really is the only reason.  It's really odd that Student CCs were not approved, those are cards designed for individuals with little or no credit history.

[xXIDaShizIXx]

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@sailor_mercury wrote:

I'm really sorry.  I wish I had a great piece of advice

I am no where near an expert but you should look at your credit reports and make sure that a lack of history really is the only reason.  It's really odd that Student CCs were not approved, those are cards designed for individuals with little or no credit history.

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I have in depth. I legitimately have no idea why I'm not getting approved. Thats why I have a secured card, because I could not get approved for anything else initially. I have no idea what to do, freaking loan sharks wont even take me.

[longtime_lurker]

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@xXIDaShizIXx wrote:

And same result, same reason why.

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How long have you had that secured card? And what's the utilization on it? There has to be something spooking every lender here

[barbaralee]

Yeah, student cards, Credit One, even SpringLeaf are designed for people with little to no to bad credit. You started your thread saying your credit is fair, but judging by the rejections I would say otherwise. I would also think there is something else going on your report, whether you are aware of it or not.