"We will notify you within 10 days" vs. instant approval?

For just about anything you want to get off your chest about credit cards.
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Green Member
Green Member
Posts: 19
Joined: Sat Apr 21, 2012 6:23 pm
Location: Las Vegas, NV

Postby sfoboy85 » Sat May 26, 2012 11:33 am

MemberSince99 wrote:I'm sorry you were denied. I was expecting it though. Chase is a prime lender, and they truly won't lend to everyone, they want to see an established, good payment history.

So a local credit union or something like Cap One or a secured card are going to be your best bet to start. All of us had to do this, and none of us just went right to prime card approvals. But if you give it time and effort you will get there. Use the sting of the denial as motivation to build your history right and get the Freedom that you want!

As funny as it may sound, that's not true. My first credit card was an AMEX Platinum no preset limit card... still do not know up until today how I got it, but I did :D
Sicne then, AMEX knows that they did well with me because I charged on my Platinum over $46,000 last year alone.
AMEX Platinum - NO preset limit!
Credit Union Platinum Visa - $5,000

Centurion Member
Centurion Member
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Sat May 26, 2012 11:57 am

time4change wrote:I...make around 14 grand a year

I don't know of any unsecured card that would be approved for an applicant making 14k a year.

For a secured card I recommend the one from Bank of America.

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