scottwagnon

this is my oldest account 

wow you are so smart!!!! i shouldn't have applied either last year either when my CK score was 735! but DARN! unfortunately i got approved! geez. i should learned my lesson. approved for 1600, and now its 5850! man, i was so darn foolish for applying. i should have known better. i should come back here next time i decide something soo dang foolish. dur,de,dur. i'll be on my way now. i got me a saloon an spitoon to attend too.

i have alot of credit and i am 35; but if i had an income of 35k before taxes, i would be ECSTATIC! unfortunately, childeren are raised now in an envrionment that they are taught to feel worthless if they do not have nice cars, nice everything that 50 somethings have. (btw, these 50 somethings are usually the ones responsible for instilling the foul perception onto the 20/30 somethings in the first place.) after all its the american way to bring others down with the belief that this is the only way to build yourself righteously.

nevermind that last reply; did you receive a pre approved offer when you applied?

i envy your 12% apr purchase rate after the 12 month 0% purchase rate promo. what are you fico, ck, or vantage scores? how many iquiries did you have and did they pull tu like they did with me?

topcat, did you recieve the 200 cash back bonus offer with first purchase?

they pulled transunion for me. i was approved CL 6100 15% apr after 12 months. did you get the 200 bonus with first purchase?

i feel your pain. capital one is the only one that as denied me. i applied for this card in march with a ck score of 745 denied. i recently apped for cash rewards world mastercard. denied there too. had a ck of 754 when i apped.

when you receive your letter. please state the reasons why you were denied as this will be valuable information to me.

i couldn't get appoved for this card either. when you receive the denial letter mllevsf, please cite the reasons for your denial. i also applied for cash rewards world mc, but was also turned down with a ck score of 753. i will post the results of my denial there.

i feel your pain. i can't get approved for this card or for the cash rewards world mastercard. my score is ck score is 754. i will follow up soon on the cash rewards card when i get the denial letter. mllevsf, i am very interested to find out the details of your denial letter. please post the reasons for denial when you receive your letter.

my ck score when i apped for this card was 744. instantly denied. but for understandable reasons.

reasons for denial; this card is inq sensitive and requires less than four recent (1 year) inqs on each beaurau. thats a max of 3 inqs allowed per beaurau. i passed experian, but did not pass transunion or  equifax. i will reapply in november if my debts are very low. this gets four stars. the card is most sweet. but customer service is subpar.

alot of 30 day lates only on transunion (number of 30 day lates is 17). but just only one on experian. NONE IS RECENT. 2 years 11 months is newest late.

i was approved ck 740. they hard pull experian though. my comparative percentile with experian is 65%. i am 70 percentile with equifax though because i am crystal clear there. experian is one 30 day late january 2008. transunion is 65 too. i have alot of 30 day lates. but the most recent is december 07. since i fall into the 2 year rule i am clean. but not crystal.

i cleaned up my inaccuracies and 51 days later was instantly approved when i reapplied. yes i did use a counseling service, but because it was comming up as inaccuracies, i was having issues. well no more issues i was APPROVED! yay finally.

i was turned down simply because i had used a credit counseling service. i am sooo depressed. why do they use experian??? why not use transunion? i always have a better score with them. i have 2 inquiries with equifax, one with experian (now 2) sigh...