MemberSince99 wrote:Wow congratulations on your Forward jdauria. I have applied with Citi a number of times and they simply do not like me so I've been declined every time. Congratulations to you for getting in with them.
As for the original poster another one to consider is Discover More, the student card. Should have relaxed requirements a bit.
Last but not least Max, you've NEVER gotten instant approval? How many have you applied for and do you have any baddies? That's surprising to me. I have no red flags at all though currently a number of inquiries and new accounts, and I've been approved instantly for a number of cards with lower scores, most recently the Barclays. I'm thinking maybe you only apply for the uber-conservative cards like Simmons and so on? Heck I've gotten Amex instant approvals for that matter. So your score is sure good enough I can tell you that!
I've never had a late payment, never not paid the balance in full on any card I've owned and have had perfect history with all bills and leases. Not sure why I don't get instant approval, but that's actually fine with me because I feel like when I immediately call reconsideration lines they just look at the screen blankly as to why I wasn't approved and just give me a higher credit limit than I normally would've gotten just for my inconvenience.
However, in the past few weeks my SSN has been associated with over a dozen applications (half of which were solely in my name, another half others where I was authorized users on other family members' accounts) so that may have something to do with it, but I was not getting instant approval on even my first and second application and those were my first credit card applications in over two years!