I applied for a 2nd cap 1 card, a VISA. I waited the 45+ days and made a huge payment on the Kmart Mastercard. I got the ole 7-10 thingee. Any chance of me getting the card? I just wanted a VISA to help with the re-building.
It might be possible that they may not want to offer the terms for the account you applied for. For example, I applied for a Gold Visa that required a $49 security deposit and had a $39 annual fee. I applied over the phone and got the we will send you something in 7-10 days. I did not get a denial, I received a different offer of a $99 security deposit and a $72 annual fee. BTW, I ended up doing a PFB to Cap 1. Could not get the security deposit waived, but did get the annual fee waived.
I think you'll get it, the terms may just not be ideal...in which case, you simply call retention or do a PFB and work it out! Good luck...Keep us informed, o.k.?
When I applied for cap1, the first time they wanted 199 to secure my card. I applied 6 mths later & they gave it to me for $99 fee. Not too bad, I was happy that ANYONE would give me a card. LOL In december, I will apply for my 2nd card, I am not sure where yet I am going to try and reopen my victoria secret card which I was never late on. I closed it before i KNEW about credit scoring & length of credit history.
Doodyhead, lovely Doodyhead..I must now request that you change your name...it's a word that literally starts me chuckling every time I see it and near hysterics every time I write it...my sides hurt...so...for me, please? No, no, I'm just kidding....but it's true...the word tickles my funnybone...so... Next time I'm faced with a "lovely" CA rep or a CRA rep or my boss, I'm gonna just think of that word and become hysterical...maybe even blurt out "doodyhead." If this occurs with my boss, I will hold you responsible.... ...or what if this happens at a quiet ceremony? Like a wedding? What if this happens, dear doodyhead, when my students are taking a test and I suddenly scream the word out and laugh till I cry? What if I get so hysterical, I pee myself? What if...? AHAHHAHAHAHAHHA....ROFLMAOPIMP..great name, BTW List of other names that would have the same effect: Dipchip PooPooFart Prestochango Nave (AHAAH, just kidding) PBM - no, not the name, just a note that this message was vital to my credit life because if I lose my job, then I lose my credit, and, well, you get the picture!
You are SOOOO funny Nana. I personally like the Nave reference. But you forgot to add meadowmuffin and cowchip. I personally chuckle at meadowmuffin, but cowchip sounds like something you play poker with. hehehehe
