Hi, I would not even try to get this card it sucks. Do not waste an inquiry and lose points on your credit score. I applied for this card last year and I regret it still at $200.00 I have spent way over $1000.00 in this store in which I will hardly use it again other than to buy a couple of loaves of bread. If you are looking for a store card try your luck and go for macy's or even jcpenny at least you know you will be able to get cli's.
Starting Score: EQ 546 TU 566
I'd hate to bump this.... but I had to reply cuz I'm almost positive you're talking about my input on whogavemecredit. lol. (Posted with 594 EQ and 551 EX dated last month??) I wanted to reply with a bit more of my details so it can shed a little more light to help you understand what might have happened to cause a denial for you and an approval for me...
I too got a bit surprised when I was approved not for just one... but three cards that day... Store cards for Target and Wal-Mart, and one for CreditOne. (Albeit, a VERY low limit...) I should be happy I'm finally able to get ANY unsecured right now though as the only card I have is a secured Orchard...
Anyway, I'm almost positive that the only reason I was approved was because of the two never late revolvings I have, one of which is a car loan for quite a sizable amount, and my account age.
Where my confusion comes in though is last year, I paid off 5 medical collections BUT a few months after that 3 more were added (insurance problems) bringing me to a total of 5 collections and a charge-off...
The only thing going for me is my account age, at my oldest being almost 9 years (closed charge-off from Cap1), my recent car loan 3 years ago and recently opened (1 year old this month) secured HSBC account which never carries a balance... Other than that, I have collections up the ying yang...
Maybe it has to do with account age and recent payment history with revolving accounts??? Because that's honestly the only things I have going for me. Because as far as collections.... Well, we can all see mine's filled with those.
As everyone says, it's a mixture of things. I'm glad there's that whogavemecredit site. It gives you an idea (IF people input their details) of where you stand in comparison with others in a similar position. What's crappy though is if you get denied and see others getting approved in the same position as you, you sit here wondering what the hell (like you are now)... I'm sure there's SOMETHING there though that explains it. In this case, as I'm almost positive you're looking at my score on that site, it probably has to do with the difference in our account ages and recent activity... (Maybe?) Dunno... hope it brought more to light. 