Since I started getting back into credit in 2016 I haven't had any denials. I burned Citi back in the early 90's for $1700 and I still don't show any prequals from them, although I get tons of mail offers from them. Haven't tried, but I have a feeling they still remember that "Drivers Edge" card. I was tempted to take a try with UMB for the DC card, but seeing everyone here get a fat NO from them, I'm fairly certain that would be a wasted HP for me. I've got more than enough cards for my spend patterns and needed purchasing power. I'm in the garden for likely most of 2020 so I can get my AAoA up towards 5 years and also not spook Chase since I just completed the Trifecta.
Back in my 20's before I paid attention to how credit worked, I had a lot of department store cards but Broadway was one that I could never get an approval for. I have no idea who the backing bank was for that card.
Great thread- I feel like I'm late to the party here, but I would love to have the Cash+ and so far, no dice. Have been turned down twice in the past. I know USB is a unique beast and I think I might finally break down and open a checking account. But, I would only be justifying the checking account to hunt down the credit card. I'm gardening all over again, so won't try with them for a while.
SDFCU
I don’t know what I did the annoy them: I opened up an account there soon after I joined this forum (opened up several CU’s for future use, many of those have come in handy actually) but when I did have a use case for them, when they were literally one of two C+P, PIN priority cards around: exterminated.
Membership terminated, couldn’t get an answer why, couldn’t reopen the membership: nada. Pretty sure they owe me the money I had in the share account but not worth the effort to badger them about a yuppie food stamp or whatever it was.
Not exactly a card denial but everything else if I wanted it I got it, had to PC the CSP to CSR but 5/24 issues back then were my own fault. Only other flailing was a CLI for BOFA back in the day, pretty sure I could get love from them now but that little card with a subscription service on it... just stay open, just stay open
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For all my credit sins I have had a pretty charmed existence: got in at a credit friendly time.
I don’t know what I did the annoy them: I opened up an account there soon after I joined this forum (opened up several CU’s for future use, many of those have come in handy actually) but when I did have a use case for them, when they were literally one of two C+P, PIN priority cards around: exterminated.
Membership terminated, couldn’t get an answer why, couldn’t reopen the membership: nada. Pretty sure they owe me the money I had in the share account but not worth the effort to badger them about a yuppie food stamp or whatever it was.
Not exactly a card denial but everything else if I wanted it I got it, had to PC the CSP to CSR but 5/24 issues back then were my own fault. Only other flailing was a CLI for BOFA back in the day, pretty sure I could get love from them now but that little card with a subscription service on it... just stay open, just stay open
.For all my credit sins I have had a pretty charmed existence: got in at a credit friendly time.
Bank of America.
I've been trying off and on for the better part of ten years to get in with them. The last time I called in for a recon, they said my lack of deposit accounts was a big strike against me. I think I have no recourse but to bite the bullet and open a checking account for that vaunted relationship qualifier.
Amex Hilton Honors is the only card in the past 2 years that I've been denied for. Had the BCE card show up on the prequalify page back in September but I didn't go for it since it was not the card I currently wanted. Will try to app for it in March or early April when most of my cards balances are down near $0 by then.
