I am the king of the override.These are the ones I can remember.All at first were declined. Union76 Exxon Structure Nordstrom Nextcard Freedom Card(just have to verify address)It was on the Equifax report they pulled,duh One collection and one late plus 605 score gets me denied on the instant approval.But when these credit managers see 6 years of perfect history they are willing to give me a chance.No membership banking at this time.Amex will deny you if you have more than 3 inquiries on your chexsystems even though you have no bounced checks or anything negative.The good news is chexsystems said inquiries drop off after 90 days so I'll be clear to reapply in october.If you pass on chex systems then they run credit and that is where I might be denied.I don't know if its worth it just to have a checking account with them and maybe a debit card. Probably the cobaltcard is enough.
Re: Union 76 approval-Once38 What number did you call for reconsideration for Union 76? Who did you ask to speak with? Tia SuzyQ
