For AMEX and am waiting for the decision on the card. Its taking a while.....which means i have probably been declined.....
YUP....nice and declined! I hate wasting inquiries! I will never get out from under this big subprime rock thats on me!
Is this a good company or something, I read a lot of post about AMEX? Are they easy to get credit with are the credit limits high?
Obviously not, they told my ass no....and citibank just did too...I got that we are still processing yuor application and will send the results to the address you listed on your app from citibank. AMEX just said no....
Sorry to hear that Why do you think they denied? What are your scores/issues? Rina -- Conquering through Christ...and Creditnet
I always get denied. I took my Equifax from 496 less than two years ago to the current 682 and still i got denied for Citibank and AMEX. i applied both of the same day so I could get it over with. I dont have too many issues. I did some credit repair on my own and got lexingtons help as well. I have CO with 400 limit and Aria with 1650 limit. Has CO for 24 months and Aria since March. My experian is a 628 and TU is 642. My income went up 25000 over the past two years since I have graduated from college. I have been on time with all my payments since April of 2000. I just wanted to get a lower rate and transfer my balances, but I guess i got to wait another year or so, or until all my scores are around somewhere in teh 700 club
Don't feel too bad {hug to Laray} Did they decline because of INQs, high balances, short credit history or what? I opened Chase classic in 11/99. They denied my request for a CL increase in 2/01 (even though like you I had a dramatic income boost). Just this month, they increased the CL by 25% w/o asking. Go figure! Sometimes it takes longer to prove yourself, but I find that this site (& others like www.stretcher.com are a great way to stay motivated. In the meantime, bring down your balances & hopefully by your anniversary your current CCs will reduce your APR &/or give you an increase.
My story, I am 23, student loans date back to 96. first credit card in 97. EQU inquiries in last two years:1 score 682; 0 in last six months TU: 10; 642; 1 in last 6 mo EXP: 12; 628; 2 last 6 mo I have five cards: Getsmart 900/1650 (christmas gifts) CO 200/400 Lane Bryant 0/250 (PIF everymonth) NYCO 0/250 VS 0/960 No reason so far, amex said 7-10 we will send you decline letter, citibank said they will send results to home. I went to millcbs. to see who pulled equifax and the creditors that did rejected my a#%. CO pulls my credit every month and still doesnt find me worthy.
