Hello There, I just apply for the paypalvisa online and it came back giving the message base on the info and credit report we are unable to issue you an account at this time will send letter in a few days.... I have excellent credit scores of 726,727,690 on all 3 credit bureaus.... some people are right they are a 30 second denial I put them on my black list.... Anyone have similar problems to this... Please advice, Thanks....
I also have perfect credit (2 citi Plat 10.5k each, BofA plat 6k, etc ) I applied last week and receive my card yesterday. $300 limit, a $49 procesing fee, $39 anual fee, 23% interest. etc...Figure it out!!.
I KNOW...WE BOTH GOT A 30 SECOND DENIAL ON JUNIPER...685-698 F.I.C.O. (WIFE) 725-741 F.I.C.O. I disputed a DENIAL on CITIBANK...all I got was a second inquiry...HOW NICE. I would try to get my F.I.C.O. SCORE DOWN (590-650) SO I COULD GET THOSE CARDS...BUT THAT IS STUPID!!!! I'm shooten' for 750-800!!!
just a guess maybe the reason people with high credit scores are getting denials is cuz they are using a cc profitabitlity type score? you have many options - bt game - don't pay interest - or if you do - not much - hence, not as profitable as others with less options - revolve their debt - rarely pay off cards completely. only sense I can make of it
That's my theory also, Kelly. People who have several cards cannot be trapped and backed into a corner. That seems to be a trend lately. So they give you a BT deal, get your high balances off your high % rate cards, then BAM!!! up goes your interest rate. You have nowhere to go. They win. breeze
