What Card Should I Apply For?

[NYSuperdoodle]

Ok.... Here I go!

Thanks for the responses, and I hope you'll be around if I need that recon number, creditaddict

[NYSuperdoodle]

One last thing. .. Should I wait a few days for my Amex to update on all three reports? It's only showing on EQ right now... Or would a recon solve that if it's an issue?

[Creditaddict]

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@NYSuperdoodle wrote:
One last thing. .. Should I wait a few days for my Amex to update on all three reports? It's only showing on EQ right now... Or would a recon solve that if it's an issue?

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What Amex? USAA Secured Amex? I wouldn't wait if it's secured.

[NYSuperdoodle]

It is secured but doesn't report as secured

[NYSuperdoodle]

I got a 7-10 day review response

[Creditaddict]

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@NYSuperdoodle wrote:
I got a 7-10 day review response

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866-408-4064 - When they answer say I applied for a Sallie Mae card and got a message that it needed to be reviewed, could you do that?

[NYSuperdoodle]

Ok. Thanks a ton

[Creditaddict]

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@NYSuperdoodle wrote:
Ok. Thanks a ton

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call now and update back. (They may have an issue with your thin file)

Tell them you would like to build your relationship with them from the beginning without taking on a ton of INQ;s and new accounts with rebuilder banks that you will just have to replace in 1 year but start with a strong big bank like them

[-NewGuy-]

Good luck. Hope that everything works out!

[NYSuperdoodle]

I was denied because of a lack of credit card history. He says the score is fine but they want to see an established history before extending credit. At least they only ran an inquiry on TU. I guess I'm stuck with the secured cards for the next 6 months or so until I build a track record of payment on time.

I'm a little disappointed, but it's not like I needed the credit. Thanks for the info and help creditaddict. Should I consider myself in the garden, or is there a way to get them to reconsider sooner?