The Black Card

[Creditaddict]

Declined. because of chapter 13 still being open... neat that's the first time they have mentioned that, before they just told me better score and established credit... so wasted inq x 3!

and no I did not want to pay the annual fee for the black card but I thought it might help me get approved if I'm saying I'm willing to pay such a stupid fee! 

[Imhotrodcrazy]

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@Creditaddict wrote:

Declined. because of chapter 13 still being open... neat that's the first time they have mentioned that, before they just told me better score and established credit... so wasted inq x 3!

and no I did not want to pay the annual fee for the black card but I thought it might help me get approved if I'm saying I'm willing to pay such a stupid fee! 

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When I saw what they wanted for the AF I read it twice because I thought I was seeing double.  Can you believe that they would have the nerve to ask for that kind of an AF.  In my mind, if a person can "afford" that kind of a fee, they really don't need any credit, because they have enough money already.  I commend you for trying, but it was quite a cost at 3 inq's. 

Message Edited by Imhotrodcrazy on 06-10-2009 03:50 PM

[Red1Blue]

Which Black card did you apply for? Amex?

[BungalowMo]

Creditaddict.....While I don't have advice for you, I have to tell you that I live your sig line...cracks me up! 

[Creditaddict]

www.theblackcard.com concord.

the stupid black card!

I need 100k more purchases a year to meet the black amex requirements or I SO WOULD! 

[Red1Blue]

This is issued by Barclays. I thought they are very stingy to get approved with. What CRA did they pull for you? What is the reason they gave for decline?

[Creditaddict]

TU

Chapter 13 still being open

but she said even if that had been closed I had WAY to many INQ. 13.

I argued INQ and rebuilding credit... I have choice words but ill leave it at that.