I got denied Chase and Discover and was wondering if anyone has PFB any creditor before to get an approval? Please let me know how it turned out for you. Thanks a million.
DISCOVERCARD, IGNORED AMEX, IGNORED CITIBANK, WIN~~~WIN~~~WIN MBNA, IGNORED (ESPECIALLY THE PART ABOUT NO INQUIRES) TARGET VISA, IGNORED
PFB and wrote snail mail letter to Discover re: hubby's denial - no response whatsoever. Wasted time and a stamp. Ozzy.
Back when I used to work for HD, there Credit cards were run by GE capital....but it may be monogram now...
My reconsideration attempts after an initial denial: PFB'd Chase - and was approved PFB'd and called Citibank (3 times) - and was approved each time PFB'd and called Bank of America - and was approved Called Discover - they told me to jump in a lake... Called Amex (3 times) - and was approved each time Called Generations - was approved
Marci, What did Chase give you as far as limit and apr which card. How long did it take for them to contact you and did they call you or send you a letter? thanks I wont bet on discover card I was more interested in Chase anyway.
They e-mailed the next day afte I sent the PFB letter that they forwarded my request for reconsideration to their credit dept. So, I called the credit dept. everyday until I heard a "yes". The credit limit was $500 (!). I called the credit dept. back and requested for them to at least try to match my lowest line (at that time Providian was my lowest at $3000). They matched it in 48 hours, but it cost me another inquiry. The intro apr was 2.99% with a "go to" of 18.99% and they WON'T budge from that now. Pretty mean customer service, too. I think Chase is going the way of Fleet wrt customer service and card benefits. They want you to think they're "da bomb" (as I initially did) but they treat you like a piece of dirt. I'll use them sporadically and close them when I hit the 2 year mark.
It is called Planet Feed Back. It is a web site where you can write a complaint or compliment regarding a credit card company or store. go to www.planetfeedback.com
I just sent one for hubby about his Juniper denial (785 FICO, no negs. on EQ report they pull). We'll see if it gets us anywhere.
