Why am I getting denied for every credit card I apply for?

For just about anything you want to get off your chest about credit cards.
14 posts
Green Member
Green Member
Posts: 7
Joined: Mon Sep 10, 2012 3:44 am
Location: WA, USA

Postby JasonKR » Tue Oct 22, 2013 12:27 am

You should start with BofA Secured credit card, maintain it for a year or so,
I received pre-approved offer from Discover after using secured credit card for around 4 month.
Then slowly apply for another card! good luck!
BoA Better Balance Reward- $1,500 (01/13)
Discover It for Student- $1,700 (04/13)
Capital One QuickSilver- $500 (05/13)
Chase Amazon Rewards Visa Card- $700 (10/13)
Citi Forward for Student- $2,400 (10/13)
Amex BCE- $2,000 (10/13)
TransUnion - 722 | Experian - 709 | Card Acquisition Risk Score(Chase) - 710
Credit Karma - 715
(Future card: Chase Sapphire or preferred)
* Gardening till summer of 2014! * too many inquiries :(

Posts: 1
Joined: Wed Jun 25, 2014 9:44 pm
Location: St. Catharines, Ontario Canada

Postby SweetMarie » Wed Jun 25, 2014 9:50 pm

[color="purple"]I know how you feel, I live in Canada and yet I get denied every chance i get and yet i never owned a single credit card. so that is why i have what is known as a visa advantage debit card (which is a bank card w/the ability of a credit card all in one). however, it does not charge it like an actual credit card. it just makes it easier to order online. [/color]

mrsandman wrote:Ok, I need some advice!

I'm 19, part-time college student, full-time hotel auditor. I make almost $24,000/yr currently. I have applied for a few different cards since I turned 18, my parents have always had bad credit so I understand the importance of having good credit.

When I was 18 I took out my first auto loan for $5,000 (co-signed w/ parents). I paid off the loan within 10 months. Around this time my credit score was sitting at a 690. I recently got a new auto loan for almost $7,000 (In my name only). Made the first payment a couple weeks ago.

My credit is currently at 635. I do still live with my parents, and pay them $250/mo to rent the upstairs apartment in our house. Other than that, my only other expenses are my auto loan and gas. Very frugal with my money.

I recently wanted to get a home mortgage for $20,000 to obtain a rental property. The guy told me I did not have enough open credit lines (4 required). I would have been approved otherwise.

I've applied for maybe 6 credit cards since I turned 18. I've been declined every single time. It's very frustrating. I'm an extremely hard worker, make a good amount of money (for my age!), and have NEVER missed a payment. Amazon even shot me down. All of the explanations say it's because I have "limited credit history." Of course I have limited history, I can't get approved for anything!!

The card I most recently applied for was Citi Forward and got declined immediately. From all the forums I read, I should have got approved.

Any recommended cards or advice is appreciated! Again, very frustrated!!! Let me know if you need more info.


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Location: US

Postby Marcov719 » Thu Jun 26, 2014 10:45 am

I was also in the same boat just a few years ago. Like most have suggest is start with your local bank for an unsecured car with no annual fee or get a secured credit card. My very first CC was a Capital One Secured card with only $200 limit. After only six months my credit score began to grow and I was getting approved for better cards. However, with credit its always YMMV but everyone starts somewhere.

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Location: WI

Postby MemberSince99 » Fri Jun 27, 2014 5:56 am

Consider cards such as the Amazon store card or Walmart card. They grow quickly with responsible use and get your foot in the door for other things later. Cap One also offers a start; the card will not ever grow but it will give you credit history to use to get better cards so you can dump Cap One and never look back.

Some lenders are just extremely fussy too. In my experience the worst is Citi. They will decline you for bizarre reasons (like not carrying a balance on a card - if you apply with them you must have a balance on a credit card even 20 dollars or it will be declined) and to be honest once you get them, it's not that great.

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