Elijahmex wrote:4ktvs wrote:Elijahmex wrote:Denied!
I applied last Wednesday. After 8 days of waiting I called to get some info and turns out the bad history had nothing to do with the result but the lack of accounts opened. Quick reminder I will have 1 full year of credit history end of February, no loans only 1 Cap One Quicksilver account and FICO TU 736 EQ 728 and EX not sure since Chase pulled it.
Now I have 4 inquiries and only 1 CC on my report. Getting a little fed up tbh.
Sorry that happened, I know I would feel fed up if I had to take 4 hard inquires and only get one card out of it. You could try for the Amex EDP you wanted.
No I am not trying anything until end of February/beg March. By then I will have a full year of credit history, I am also due a CLI on the 5th and it will give me time to think about my next move. Also by then my CS will have moved forward a bit.
One person has over one thousand credit cards so 1 credit card is definitely not an issue and you can get more if you have excellent credit. If all the identity theft is off the bureau and you have perfect payment history and low utilization, you will need to wait six months since last inquiry and then you can reapply and get approved for the card you want. You need to make sure utilization is kept low on the existing account and bills are paid.
Banks will be making a lot of offerings to get you as a customer in the future.