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Discussion in 'Credit Talk' started by T, Jun 28, 2000.
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Why don't you apply?
If you have been turned down recently, wait a few months. Make sure your situation has changed, less debt or better income and then apply again.
If you have no other derogatories, like BK, a reasonable debt load, and a minimum annual income of $20K/year, I am confident you will be approved. I know that they offer Instant Approval on this card, as I am looking to possibly apply myself. Good luck!
I have eight inquiries in last six monthes .So I am not sure what chance i have.Creditworks and David,thanks for your reply.
From my dealings with credit, the longer you have responsibly used credit, the less important inquiries become. I remember applying for a CitiBank card with a six month stellar credit history, though I had 10 inquiries on my TransUnion report. I was consequently denied for that reason. However, I have only 25 months of credit history, and I still have typically more than 3 inquiries in a six month period, and really have no trouble obtaining credit. Give it a try!
I agree. The better your credit history the less important the amount of inquiries. My last credit report, showed close to 100 inquiries. I just got a line increase from First Banckcard.
Exercise your credit.