What Card Can't You Get Approved For

[simplynoir]

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@Anonymous wrote:

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@Anonymous wrote:
BoA Premium Rewards card. Funny thing is I already have 2 credit cards with Bank of America. I use to have 3 but I closed one a year ago.

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Can't PC one of them? It would be funny if you tried and were told, sorry you cannot PC to that card, any other one you can. You are NOT allowed to have that card!

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The SUB for that card is too good to not get

[CreditCuriosity]

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@Gmood1 wrote:

Pretty much any conservative Credit Union in the country! 

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what he said.. ah and WF propel..

lets not forget PR bofa card, but have a 62k merrill card.  i assume since i transferred > 100k a month or so back to merrill edge the PR will be fairly easy to get when i try again.

[K-in-Boston]

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@simplynoir wrote:

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@Anonymous wrote:

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@Anonymous wrote:
BoA Premium Rewards card. Funny thing is I already have 2 credit cards with Bank of America. I use to have 3 but I closed one a year ago.

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Can't PC one of them? It would be funny if you tried and were told, sorry you cannot PC to that card, any other one you can. You are NOT allowed to have that card!

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The SUB for that card is too good to not get

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+1 I haven't heard of anyone PCing to it.  Not too easy for a lot of people to be approved for around here, but worth the repeated tries.  I use my Travel Rewards card for BTs, but my eventual hope is to PC it to Premium Rewards and close my existing Premium Rewards card (Travel Rewards was originally an MBNA card circa 2005).

[Anonymous]

I have been declined for US Bank Cash+ twice (this doesn't really surprise me since they were in my BK but I'm apparently not blacklisted so it's still a goal card), Citi DC (too many inquiries - I ended up going for Rewards+ instead in September and got it), Barclays Uber, Commerce Bank (I never actually got the reason for it because they send a letter that says to call them if you want them to send you their reasons but I'm assuming BK), Wells Fargo Cash Wise (new accounts), and BoA (burned in BK and blacklisted). I'm pretty sure that's it. 

Credit unions - PenFed (too many new accounts which is funny because I  was only 3/36 at the time), Langley, and Alliant. 

Only one I really care about getting is Cash+ which is a current garden goal.

[K-in-Boston]

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@Anonymous wrote:

Only one I really care about getting is Cash+ which is a current garden goal.

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Someday, your prince will come.

[Anonymous]

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@K-in-Boston wrote:

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@Anonymous wrote:

Only one I really care about getting is Cash+ which is a current garden goal.

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Someday, your prince will come.

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I know, I gotta stop making US Bank feel like they'll just be another side piece. Gardening is hard.

[Caught750]

Saeren, US Bank is definitely my main squeeze! Altitude and Cash+ see at least 75% of my monthly spend! Totally worth waiting for!

[GApeachy]

Sufferin Succotash!  Ducks Unlimited......too many inq's.

[Anonymous]

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@CreditCuriosity wrote:

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@Gmood1 wrote:

Pretty much any conservative Credit Union in the country! 

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what he said.. ah and WF propel..

lets not forget PR bofa card, but have a 62k merrill card.  i assume since i transferred > 100k a month or so back to merrill edge the PR will be fairly easy to get when i try again.

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That got me thinking. Does WF pull Experian on their apps? When I applied for mine,  and got only a 10K CL, I thought whew I barely made it in.

I waited to pull the trigger on it after my PIF to Chase was updated on my reports. The 0% intro ended and I had a balance around 18,900 on a 19,100 FU card.  I got the CK notification that my score jumped 40 points, looked at TU and EX scores, saw they were good and applied right there in the fairway on hole #5. 

I forgot to check Experian. They may still have reported my Chase at 99% util, and hence I got only a 10K line. If so, that may have made it even more risky to be approved. 

[Anonymous]

Well, if we eliminate 5/24 candidates. Then no. If we include those, then i can't apply for a Chase product namely CIP for another 6 months.

Also was the reason for my Aviator Red denial last year. And I was denied for the BoA BIZ Travel Rewards just a few months ago.

As for a particular card that I really want and keep being denied for, no. The only thing holding me back right now is being over 5/24 and ineligible for SUBs on certain card I might want. 

Was just approved for the BoA Air France MC this month, so I think I could still get 1 or 2 more if i really wanted to. But I don't want to push it.

There are also those outliers such as the DC Power that some of us would likely be denied for due to the DPs, so seems like a fruitless attemp to try. Guess that would fall into the category "I want but can't get", of course I haven't exactly tried though. lol