CC Deville wrote:Again, please do not let what I wrote scare you away from Amex. Let us know how the application goes!
Ah well. I applied for the Delta card and was declined. There was a laundry list of problems which I was not
aware of (I check my credit *frequently* through USAA's CreditCheck Monitoring). I knew my utilization might be too high, and that was
one of the issues...other things were - to be honest, the young Indian woman sounded very capable, but it was hard to understand all she said. I pulled my 3 credit reports about a month ago, and aside from high-ish utilization, some of the issues (I think) she said I am unaware or unsure of. I won't say until I have the letter in my hand, so I can see how to best correct it. I will be asking for advice. Again.
I have been trying to see the online status, but it just sits and spins, and eventually I get an "Internal server error". This is going to https://www262.americanexpress.com/blah/blah/blah
, which looked a little weird. I can check my credit report again in the morning to see that I for certain have a hard inquiry on it.
One thing I know of is that it was said that I had too many lates (!!!). I had one
late on my Chase/Pier1 account which happened back in June 2007, when the account converted from Pier1 to Chase/Pier1. I knew it was going to convert, but when I got the new statement (different color, different print, different size envelope), I thought it was junk mail and threw it out. Totally blitzed on it. When I realized something was amiss, I was at the 30-day late point. They reversed the late fee as a courtesy, but didn't change how it was reported. Payment status reads as "Paid, was past due 30 days"(only on Experian, not the other two, they show paid/pays as agreed).
Probably stupidly, I closed the account before it was going to convert (again) this time to WFNNB. I have one store card (my oldest CL at nearly 21 years!) that is now with WFNNB and I don't care for them, and rarely use the card, but I keep it because of the age. Before I closed it, I asked if they would as a courtesy change that, but they wouldn't. I didn't really think they would, but I was hopeful. In any case, that was one of myriad reasons that I'll be hurt by until enough time passes for that to fall off......will that payment status change once that month showing the late has dropped off, or will that payment status be there forever (the next seven years, as the account was closed 03/2012)?