Applied for Platinum, they pulled TU. I have a 719 TU fico no derogs and about 35% utilization. I was looking to do a BT of approx $5k. Under the reason, it lists nothing. WTF??
Just did. They said security rejected the app but they couldn't tell me why. I guess I will be getting a letter in the mail. She said they might just need more info??? Wouldn't they contact me before rejecting me? What a waste of a inq.
Not necessarily...I know it's a different card, but best buy denied. Upon calling, it was for lack of info...turned around and approved it. Security???? Hmmm...if there's nothing on your cr that would indicate anything wierd...call them back and ask WTF, SECURITY?!?!?!?!
Might also try reconsideration through PFB. I had an old sock-drawered Gold Visa account with them with a $3500 credit line & 12.9% interest. I also have a Platinum Visa with them with an $8k credit line @ 9.9%. PFB'd them a couple of weeks ago about upping the credit line and lowering the interest on that Gold card. Never got a phone call or email from them but then yesterday I opened the mail and there was a new Platinum card (even though I already have one) that replaces my current Gold card. New credit line is $15k and new interest rate is 9.9%. Lots of others here have also had good luck using PFB and contacting Robin Bricklin @ BofA. Kirk
I just PFB'd them. Complained that the rep could not tell me reasons my app was denied and requested further consideration. I will post as soon as I get a response. Thanks for the help-
Recieved an email from Robin. Without giving reason for initial denial, she told me I was approved for 10k. Thanks everyone- Before theis website, I would've taken my denial and sulked. Now I have a decent credit card!
I am SO jealous of y'all, lol. Waiting for my last collections to be updated. Going to wait 6 months, then go BIG TWUCK shopping!!!!
