Before I start, I must say, I love this forum. I frequent this place because of all the useful information. Long time browser, first time poster.
I'm tried applying for the Fidelity Amex because of the 2% cashback reward, sadly I didn't get an instant approval, but instead a msg saying that I'll get a notice in the mail. I went ahead and called FIA card services the next day and this nice lady told me I was denied because my income is too low.
I'm only a 22 year old new college graduate, with not much money, but I do have a good 5 year credit history with no bumps. Does anyone here have any idea on what they required income would be in order to be approved? I'm kind of embarrassed to state my annual income
so I was just wondering where the line is drawn.
Do you guys think it'd be any help if I called back again tomorrow morning and spoke to a different CSR, asking if they can approve me for a small credit line?
My current cards: (I don't carry any balances)
AMEX: American Express Blue Sky
BoA: BankAmericard - no rewards 4.75% APR on purchases (only for emergencies)
Citi: Citi Forward - 5 Points on restaurants / movies / books
Discover: Discover More - 5% on rotating categories
Capital One: Capital One Sony Rewards Card - (hardly used)