What Card Can't You Get Approved For

[TSlop]

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@Brian_Earl_Spilner wrote:

Just curious if anyone else has a card they can't get approved for. For me, it's the Macy's card. I have never been able to get approved. Didn't matter if I had good or bad credit. I also have never been approved for a comenity store card.

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So far, it's the World of Hyatt card that I was denied in December. I know it is because of 5/24; I'm currently 6/24 (7/24 if you count Dell). I'll be 4/24 (5/24) in February and 3/24 (4/24) in August. I'm debating trying again in February to test out my luck. But in all honesty, I may just wait until August because I'm having a tough time deciding what hotel card I actually want from Chase. This will give me more time to decide if I want Marriott, Hyatt or IHG. 

[simplynoir]

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@Anonymous wrote:

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@coldfusion wrote:

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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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Maybe not an instant approval but I'd expect an underwriter to try to find a way to `yes`.

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Is the BoA cash rewards card easier to get than the BoA premium rewards card?

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Yes, the PR card is BofA's flagship and hardest to get for even people with strong profiles. One of the few times where depository relationship (checkings, savings, ME/ML) help your chances but not needed necessairaly

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:
I'm not patient person, I just play one for the webz. I have the worst luck where every card I want requires time in naughty garden chair.

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As someone who has been on this board for quite some time, you don't list your cards or your scores. Most who've been here for less time do list that information.  Any reason why you don't list it (Nyquil doesn't count)?

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In a nutshell,  show and tell is not my cup of tea 

[wasCB14]

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@TSlop wrote:

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@Brian_Earl_Spilner wrote:

Just curious if anyone else has a card they can't get approved for. For me, it's the Macy's card. I have never been able to get approved. Didn't matter if I had good or bad credit. I also have never been approved for a comenity store card.

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So far, it's the World of Hyatt card that I was denied in December. I know it is because of 5/24; I'm currently 6/24 (7/24 if you count Dell). I'll be 4/24 (5/24) in February and 3/24 (4/24) in August. I'm debating trying again in February to test out my luck. But in all honesty, I may just wait until August because I'm having a tough time deciding what hotel card I actually want from Chase. This will give me more time to decide if I want Marriott, Hyatt or IHG. 

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FWIW, I have the $49 IHG card, the $75 Hyatt card, and the $450 Marriott Amex.

I keep them for renewal nights/credits mainly, and I have a lot of unused hotel points. With other people involved, plans can change on short notice and award space can be hard to find with Hyatt and IHG.

Going forward, I plan to put much more spend on my Premium Rewards card than the hotel cards combined.

[Anonymous]

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:
I'm not patient person, I just play one for the webz. I have the worst luck where every card I want requires time in naughty garden chair.

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As someone who has been on this board for quite some time, you don't list your cards or your scores. Most who've been here for less time do list that information.  Any reason why you don't list it (Nyquil doesn't count)?

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In a nutshell,  show and tell is not my cup of tea 

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Ok, fair enough, just curious.

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:
I'm not patient person, I just play one for the webz. I have the worst luck where every card I want requires time in naughty garden chair.

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As someone who has been on this board for quite some time, you don't list your cards or your scores. Most who've been here for less time do list that information.  Any reason why you don't list it (Nyquil doesn't count)?

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In a nutshell,  show and tell is not my cup of tea 

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Ok, fair enough, just curious.

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It's okay, I dont mind being asked

I typically provide necessary DPs when asking questions for myself.

My scores range from 760 to 780, courtesy of three new accounts in the past year. 12 open accounts, quite a few closed CC accounts, couple of paid and closed mortgages, a few paid off car loans.

No open loans, but that's about to change tomorrow 🤷‍♀️. My boy needs a car. 

Out of all that, I use between one and three cards  only 🤷‍♀️🤷‍♀️

[M_Smart007]

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:

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@Anonymous wrote:

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@Remedios wrote:
I'm not patient person, I just play one for the webz. I have the worst luck where every card I want requires time in naughty garden chair.

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As someone who has been on this board for quite some time, you don't list your cards or your scores. Most who've been here for less time do list that information.  Any reason why you don't list it (Nyquil doesn't count)?

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In a nutshell,  show and tell is not my cup of tea 

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Ok, fair enough, just curious.

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It's okay, I dont mind being asked

I typically provide necessary DPs when asking questions for myself.

My scores range from 760 to 780, courtesy of three new accounts in the past year. 12 open accounts, quite a few closed CC accounts, couple of paid and closed mortgages, a few paid off car loans.

No open loans, but that's about to change tomorrow 🤷‍♀️. My boy needs a car. 

Out of all that, I use between one and three cards  only 🤷‍♀️🤷‍♀️

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What about Watercraft?  

  . I seriously admire;  "show and tell is not my cup of tea"

[Save-n-Invest]

That first one. It was a Master Charge back in that day of hardwired phones with rotary dials. I was required to jump through so many hoops. Each time I did it was another denial with a new hoop. No FICO then, I think. Lenders reviewed a credit report and I didn't have one. The last hoop was a comaker. My dad signed and I was denied again. He had the same card issued by the same bank. Apparently he didn't get the memo that it's business not personal. He told me to get in the car.

Dear ole dad drove to the issuing bank. The manager spoke to us to try to smooth things over with my dad. At the end of he convo dad asked to use his sissors. He cut his card in half and handed the two halves and sissors back to the manager thanking him. 

Manager wanted to know what the issue was. Dad said that apparently the bank considered him a bum risk and he didn't want anyone losing sleep over him. Manager excused himself and went to the back. He returned with two new cards. One account for dad and one for me. 

Six months later I applied at another bank. Card was issued. I closed the first one as I didn't want a comaker. Still have that card. Oldest card, lowest limit. Looks good on the credit report. 

[redpat]

I don't want the card but I would like the invitation.

[AverageJoesCredit]

I feel ya @redpat , im still waiting for an invite to the Ollo 2.5% cb myself😁