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Toy cards.. and declines

Discussion in 'Credit Talk' started by kustomkat, Oct 24, 2002.

  1. Oct 24, 2002 #1
    kustomkat

    kustomkat Well-Known Member

    Today I got:

    Instant approvals for:

    Target Toy Visa Card
    700 CL 15.9% interest
    they pulled equisux i had a 737 fico 1 hard.

    Sears Toy Gold Visa Card
    500 CL with some crazy interest rate...
    they pulled trans union i had a 739 fico 10 hards

    I remember when i was happy to get a 250CL

    This a day after being approved for BofA platinum
    for 6500CL and 9.9% fixed.

    also
    I got instantly denied for US BANK they pulled TU
    739 fico with 9 hards at the time..


    still waiting to hear from CHASE..
    and applied for BofA alaskan air lines card
    to test BofA BDD theory..

    Also my TU FICO has not changed even though I have added 6 inquiries in 2 days.


    kev
     
  3. Oct 24, 2002 #2
    Laray

    Laray Well-Known Member

    I got 674 EXP, BOFA pulled last week with 1 hard in six months, gave me gold card with 1000 limit. SUCKS!
     
  4. Oct 24, 2002 #3
    charlieslex

    charlieslex Well-Known Member

    It looks like the CC companies are really starting to tighten up their CL's. Charlie
     
  5. Oct 24, 2002 #4
    DOITMYSELF

    DOITMYSELF Well-Known Member

    I agree those are good scores I dont understand this business sometimes
     
  6. Oct 24, 2002 #5
    somehope

    somehope Guest

    The reason the credit card companies are giving low credit lines they had a lot of people that would max out their card and not pay.
     
  7. Oct 24, 2002 #6
    charlieslex

    charlieslex Well-Known Member

    That's what I meant. Sears and AMEX are having huge delinquency problems. When AMEX has problems, the other CC's have to worry. I think last quarter AMEX had a 38% 1st time delinquency rate. Charlie
     

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