i applied for jcpenny card and was denied after i submitted application i called the backdoor number and was told to wait for letter in mail
installent loan doesn't report zero (car loan)
to many inquires
credit limits to low on new accounts
should i just leave well enough alone and just deal with the hard pull?
Hmm. You can try reconning, couldn't hurt! If you still get denied, focus on your credit history: make sure your car loan has on-time payments, let inquiries fall off, and see what you can do about raising your credit limits with soft pulls!