I applied once I got my personal target score of 710 from transunion. With that in mind, I am arguably a new borrower; I have three credit cards, all paid on time, but all under 2 years old. No other debt besides a student loan of 800 that I have deferred. And my utilization is typically less than 20%. After completing the application I was immediately denied, but after reviewing the disclosure, I was denied with a score much lower than is reflected on CK! I call and speak with a representative who said it was unlikely to be approved even if I faxed in documentation of my score! The whole conversation was very halfhearted, and unhelpful.
Tey are theives, I did a balance transfer and they started charging me intrest before they even assumed the debt. Also they sent a 0% interest rate on bal transfers the day after I transfered 8k to a 10 limit card. Trying to suggest i max out the card. When I sent payment for regular payments it reached under two days, when I sendfull payment it took two weeks for them to apply it, while stile charging interest. Complete crooks.
I recieved approver finaning letter at my home with a super proposal and after completing all my information, including banking account, they denied my loan. I was not thinkg of doing it at this moemnt, but since I received the offer, I decided to accept. Now, my credit score will decrese for nothing.