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xxjtvxx

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Turned down for credit card
I was turned down for a C.C. that i was within the CK score to get it. Is there a way to get them to reconsider me? Or get the Hard Inquiry taken off?

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This is a real problem these days.  Credit card companies are cherry picking applications and in some cases freezing all unsolicited application approvals.

Every time you apply you lose 5 or 10 points from the hard inquiry unless you have a fraud alert and setting a fraud alert guarantees you will be rejected for instant credit offers.

You can try to get a reconsideration by calling the companies reconsideration number but it may not help.   American Express rejected my application with a FICO score of 793 and their reconsideration number just connects you to a boiler room operation in India that has no autonomy. 

Top Contributor
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get a credit card from a credit union

One strategy you should have to improving your abilty to get credit is to have a thicker credit file.  If your getting turned down by the major banks, then look for credit unions that you're eligible to join (many credit unions are now "community" credit unions that will accept people from anyone in their area, some credit unions allow people from other areas to sign up just by getting a membership in some specific charitable association (like "library friends", the PTA, or a zoo).

Anyhow, make sure that the credit union offers credit cards and then open up an account.  Try to fund it with at least $500.  Sooner or later, they're going to solicit you for a credit card, or you can take the initiative if you prefer.

If you're concerned about the hard inquiry (which only takes about 2 points off your score), then before submitting the application, go to one of the branches and ask to speak to the branch manager about your application.  Let the manger know you don't want to apply unless you're likely to get approved.  The manager may know about credit union policies such as how long you should be a member before they would approve you, and what other criteria they might look at such as your share account balance.

If you do a web search on "credit card connection", there should be a site listed that identifies credit unions in your area that offer credit cards to their members.

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