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Discussion in 'Credit Talk' started by joe, Jun 16, 2000.
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Does anyone know of a credit card that doesn't show up on your credit report. I know unsecured cards don't,but I don't want one of them thanks in advance
What kind of income do you have? This might be the key to your denial. 2 credit cards and a new car loan in a 6 month period might have did you in.
Actually, I have a great income for my age (36K total, including base, bonus, and mileage). So you think it was too many credit lines opened in a short time frame?
Did your denial letter list any reasons? A lot of CC companies include 4 reasons for denial with their letter. My guess is that they said no because of your short credit history, the number of new accounts, the number of inquiries and perhaps even your balances.
It might be a good idea for you not to apply for credit anywhere for at least six months and maybe even for a year.
See, it was a student card, henceforth, the length of credit history probably is a non-issue. I would ascertain that it was inquiries, number of new accounts, and balances (I charge alot on my cc's, but they're always paid in full each month).
did citibank give you a reason? if it was based on a credit report you might want to check with the credit reporting agency to make sure there are no errors on your report. you are entitled to a free copy of your report if you ask for it within 60 days after you are denied credit.
youre right it probably is the inquiries because they did the same thing to me. They said I had too many inquiries in too short a period of time and I work for them.
Yes, CitiBank used my TransUnion to derive a credit decision. I have seen a copy of my credit report several months ago, mainly to verify that my first tradelines were being reported(they were!) I guess I figured that a student card would be a piece of cake to get; oh well, I think I'm otherwise doing a great job to build my credit. Who knows, I might get a "pre-approved" card offer from CitiBank once some of these inquiries are a year old and I have a year on the books!
When you apply for a credit card, a bandk
such as citibank needs at least one years
credit history before acceptance.
They are a highly rated bank with a highly