Been checking out these boards for a while now, I have a story I just had to tell and love to get input on. OK here goes; I applied for a Citi Platinum card for a ring for my girlfriend. (I was denied, 622 TU ,649 EQ score.) So I tired a few other CC companies, got a few. None with the limit I needed. So I thought why not just get a loan for what I need. (Ring was $3000). Well I called Citi Financial, they approved me for 5k with a 20% IR, high I know. I didn’t need 5K only 3k, so I got my loan and the lady said I was approved for a citi credit card. Diamond rewards I think, so I said sure sign me up. The question is how I get denied for the CC on-line only to get one 3 hours later after I signed the loan papers. Very strange
My credit history is a house got last year for 150k, a CC with a $300 limit, 20k car loan, no late payments in 4 years on anything, some medical collections (2) from workers comp that have not been paid yet. They say my Utliz is 90%, But that’s on a house and car… Should I get some low level cards and just sit on them to get my Utl down? Any advice would be great thanks!
unknown_entity wrote:LOL, I applied 5 times with B of A for a CC and was declined every time. I opened up a checking account with them, deposited $500 and they instantly approved me for a Platinum Plus Visa for $2000 CL. You might want to consider paying off the 20% loan and using the CC for the ring.