Why does everyone else get approved?

[Repo-ed]

How long does it usually take to get that Cap One card in the mail?  it's only been about a week, but I can't recall if they gave me a timeline, or not.

[RTOrockstar]

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@Repo-ed wrote:

How long does it usually take to get that Cap One card in the mail?  it's only been about a week, but I can't recall if they gave me a timeline, or not.

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I received my card exactly 2 weeks after I applied. I went ahead and paid my deposit the same day and it took about a week to draft out of my bank account and a few days later I got an email telling me that my account had been created and the next day I got an email saying my card had been mailed and I got it the following day.

[Anonymous]

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@bruiseviolet wrote:

Why does it seem like EVERYONE else but me can get approved for cards?  I was checking people who got approved for Kay jwelers in Michigan-  many of them had a LOWER score than more- more judgments and collections showing and they were approved-  yet I was DENIED with a 640 score on the one they checked- and more than sufficient income...  SO FRUSTRATED.

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I feel your frustration when I read on here of people who claim to have very little credit history (less than 6 months) saying they were approved for this or that credit card.  I have NO FICO® SCORE and won't have until I've completed 6 FULL months of credit history using my SECURED credit cards -- no one is extending any unsecured credit my way!!!  So, bruiseviolet, I hear you! 

[namvet]

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@bruiseviolet wrote:

Why does it seem like EVERYONE else but me can get approved for cards?  I was checking people who got approved for Kay jwelers in Michigan-  many of them had a LOWER score than more- more judgments and collections showing and they were approved-  yet I was DENIED with a 640 score on the one they checked- and more than sufficient income...  SO FRUSTRATED.

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 Don't believe everything you read.  It may seem like everyone is getting approved because more people like to talk about the positives rather than the negatives (rejected). 

[RTOrockstar]

I think we should start a DENIED thread. Not really bringing any negativity to the board, just making light of a bad situation.

[Repo-ed]

It would be humbling, that's for sure.

[Anonymous]

I agree! I also think it would be helpful to let other people know that they are not alone!

[Anonymous]

Yep I agree as well, I certainly have a stack of denials in my "credit" binder!! LOL 

[bruiseviolet]

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@Anonymous wrote:

Yep I agree as well, I certainly have a stack of denials in my "credit" binder!! LOL 

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I have a big stack of denials too.  Maybe we should start comparing how big our binders are?  I should really take a photo of mine.  LOL it's one of those 4" binders- and it's starting to rip- it's busting at the seams... LOL  

[Anonymous]

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@bruiseviolet wrote:

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@Anonymous wrote:

Yep I agree as well, I certainly have a stack of denials in my "credit" binder!! LOL 

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I have a big stack of denials too.  Maybe we should start comparing how big our binders are?  I should really take a photo of mine.  LOL it's one of those 4" binders- and it's starting to rip- it's busting at the seams... LOL  

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HAAAAA!!! I'm on my 2nd 4-inch binder, and my 2nd hole puncher!!!! LOL  Talk about a paper trail!!!!