yongnyny

i got a pre approved letter in the mail and decided to apply and got approved for $1000.00 credit. i have fico score of 738 and ck score of 718. my limit is low due to haveing lots of inquiery because i just purchased a car this month and dealer ran 6 inquierys.

 very disappointed on credit limmit. 3 credit card with 10% usage 660 ck score. 708 experian plus score. no late payment and bankrupcy. make 70,000 year. gor approved after bunch of information request. took 3 week and got a $300. credit limit. i have gas card with higher credit limit.  i see people with lower credit score and deliquent account get higher limit.  i dont know whats the base for limit but this card is going in my sock drawel.

just recieved the credit card after week of sending them additional info. i was surprised to get a credit line of $300.00. i have gas card with higher limit.  make over 68,000.00 2 credit card . no late payment or have any neg mark on my credit reports. exp plus score of 721 ck 711 last month  now for some reason 644.

update: they rejected me giving me a different reason from what they send me on e-mail. 5 phone call all dropped talking to the manager. finaly get through and talked about 2nd credit check and application and it was all in vain. they ran 2nd creditcheck that was not autorized and now my credit rating is damaged for 2 years. dont bother with reconsider they will damage your credit and they are rude and just time consuming. now gona change bank. they just lost  a loyal bank customer with over 70,000 in savings.

 got a offer in the mail and applied. they declined me due to finding deliquent account im my credit report that was not supposed to be there and my usage was little high so rep told me to remove the deliquent account and do a reconsider and pay off my debts. so i checked my credit report and there was a fraudulent creditcard and i did a dispute and removed it and paid off the balance on my creditcards. i sent in a reconsider letter and my recent credit report. few days later they ran my credit report again eventhou they told me there not going to do that. and  they state its still a deliquent account on my report and was declined. i called experian and they say its already been removed and they got the same report i sent them. 4 different phone call 4 different statement from them now waiting for manager to call back to talk to them. i have experian score of 704. all my accounts are paid on time. conclusion: 2 hard pull even thou they said they will not do the second pull, 5 phonecall, recon letter, no one in there office know whats going on, now waiting for phone call from manager. lets see what reason they will give. 

 just got denied with experian score of 714. 2 creditcard 19% usage. no late payment.