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Hi all,
First post - so go easy on me! I have searched the forums but can't find an answer for this. I'm interested in the Fidelity American Express card that has 2% rewards cashback into a Fidelity investment account, or the Schwab VISA rewards card (2nd choice).
My Equifax FICO is 721; my Experian FICO is 709 - not great but not bad. Yet I've been turned down for both cards in the last three months (I've never been turned down for a credit card before!)
Does anyone know what other criteria they might be looking at? Anyone with a similar or lower score gotten approval for these cards? Anything else I might be missing?
Thanks a lot,
truckbodyguy
how did you get a EX Fico?
what other cards do you currently have? debt?
how did you get a EX Fico?
what other cards do you currently have? debt?
I get my Experian FICO through Quizzle.com - a pretty cool site.
I have (about) $40,000 available credit with 7 different cards (mix of visa, mcard, amex); using very little ($2,000?); with balances paid in full monthly
A HELOC line of credit against my home for $50k of which I'm using $22k
No mortgage.
but it's not a true Fico is it? didn't think you could get them anymore for EX.
but sounds like you need to call and recon Schwab.
I got denied for the Schwab Invest First Card Yesterday. My EQ was 795 and TU was 768 at the time. My experian score had always been within 3 points of my TU score. The reports are currently identical except for inquiries. EX currently has the Schwab Inquiry, and an Inquiry from Macys from August 2008. That is the difference between the 2 as of today.
So apparently Schwab is looking for more than your FICO scoreas my scores shouldnt get me denied for anything. My credit file is thin though, only 4 items on my reports, and only 1 of which is open.
Guys,
Thanks for the replies, and sorry for the newbie question - but a "recon" - is that just calling Schwab or Fidelity and asking for a re-consideration?
thanks for helping a rookie,
Truckbodyguy
Yup. Call and see if there's anything you can do to get a card. Their customer service is good.
@Anonymous wrote:Guys,
Thanks for the replies, and sorry for the newbie question - but a "recon" - is that just calling Schwab or Fidelity and asking for a re-consideration?
thanks for helping a rookie,
Truckbodyguy