what do I need to know before I apply again (next year). I keep getting these 'pre-approval' letters then of course, send them back and get a denial, 45 days later. I usually pay cash for EVERYTHING so I'm pretty sure that's why they send me 'pre-approval' crap. I paid cash for appliances and such. So any info? thanks a ton and I'm terribly sorry to bother everyone with question after question but you all are soo stinkin' helpful! L.
All they say is that I have too many past delinquencies, it used to be a miraid of reasons, but I've gotten them down to just the past delq's. I'm just wondering why I can pay cash for things, they KNOW I pay cash for big ticket items, yet they won't give me credit? hmmmmmm Maybe I should call the credit dept and beg?! LOL Really, I don't care for Sears much but I want another Dept store's card and if I have Sears (or any other Sept store card) I would have a better shot at it. (did that make ANY sense? lol) I'm not really ready to try for it just yet but I want to have my arsenal full when the time comes thanks in advance for any help!! (and for your reply!) L.
I wish I could tell you some good news. I'd applied to Sears twice and they were DOGS....two denials. Then in 2000, (about a year after a foreclosure), they gave me a $2100 CL. Go figure.
LOL sweetnsas, when I was a collection agent, it was SOOOOO weird how people would be $100,000+ in debt yet Sears would issue cards like candy, as well as GMAC issue car loans like they were going out of style (Actually had a bankruptcy attorney tell me one time "GMAC was the idiot for giving these people $$ when they were already $75K+ in debt on a $35K salary!", he had a point and I closed the acct) Also, there are more illegal aliens with Sears cards than you would ever imagine!!!!! And not only are they not citizens, they are SWIMMING in debt. But go figure that I can't get a stinkin' card to buy a fridge! LOL Oh well, their loss I suppose right? lol Thanks a ton for the reply glad to know that I'm not the only one they are being weird about! L.
Yeah...LOL....they're weird! I was working there and they were like, "No way babe". At that time, I probably only had a few 30 day lates. When I applied (online), I got that "We'll evaluate your application" blah blah blah. I figured it was a denial because I knew my credit was pretty bad at the time. A week later it comes in the mail. I look at the CL and I fell out. I only wanted to buy a mattress and boxspring for my bed! Last month, I get the Sears Premier card...for being such a GREAT customer. LOL....some folks!
Sears is a bunch of lying bastards to me anyway. I applied online..got the evaluating will send you letter story....received letter stating congratulations on my new account card will be here in 7-10 days...mind you they pulled three inquiries on my Equifax...7-10 days later I get a letter in the mail telling me they couldn't open the account because I had too many inquiries...they pulled an extra one just to tell me that for a total of 4.. yeah too many inquiries because they kept pulling them! This sometime ago, so it might have changed. But I did apply recently and got the same letter stating that I had too many inquiries (yeah I have 18 in less than a year on Equifax now), but 5 new extensions of credit to show for it. 6-8 of the 18 were car financing inquiries from DEC.. but does Fico/Beacon only count them as one??? Nope.
