My card applications were denied 6 months ago. Should I try again?

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Joined: Sun Apr 07, 2013 9:07 am
Location: SC

My card applications were denied 6 months ago. Should I try again?

Postby John8818 » Sun Apr 07, 2013 9:17 am

Hello everyone, I'm new to the forum but have been lurking for quite some time now and decided to join.

I wanted to ask if I should start applying again for credit cards?

The first time I applied was last year, November. I applied for Amex green, Discover it, and chase freedom I was not approved for any, in the decline letter the sent my all of my scores were between 640-668.

The only thing that I could think of that prevented me from getting the cards was that is still owed 2000 on my car loan which is always paid before time and I'm like 4 months ahead. I have no other debt or things in collection. My sister told me it was probably because I'm 20 and not 21 yet but idk.

My car is paid off now and I'm thinking about applying again, what ever card I get (I I get one lol) will be my first credit card. Based on the info above do you guys think I should start applying again since I have no debt, and do you guys think the cards I stated above are good cards to start out with?

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Joined: Fri Mar 29, 2013 3:37 pm
Location: Pittsburgh, PA

Postby Dman316 » Thu Apr 18, 2013 12:15 pm

I believe paying off your car probably raised your credit. Give it a shot, all you have to lose is a hard hit.
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.

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Location: USA

Postby 432521 » Thu Apr 18, 2013 1:26 pm

since you just bought i car I assume you have sufficient income?
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

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