- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
Thank you! I'm fortunate that I got some great cards early on. The Freedom would have been my last card. I would have wanted until May/June anyways because then I wanted to apply for the BCE, but it looks like I will go for the Freedom as well. I guess in the denial letter that they just saw my BOFA account (Citi or Discover was not reporting as of yet, and I had gotten Amex back in November.) And none of them had started reporting so they I guess want to see some more history before trying again for it. You should have a good chance depending on your history and income. Also inflating income isn't a bad idea IMHO as long as you don't over do it (i.e claiming one year you make 12k and then next year you end up reporting that you made 130k, unless you really got a nice job or inheritance. Just be careful and stay under the radar, companies like these want the spending to match up with your income. Like I charge about 4-500 on my cards a month and have no issue, they're okay with it, but stay in your limits as much as you can. Trust me, stay under the radar, not on the radar.) If I were you though, I'd apply and see what happens, they like to see hardly any inquires and low utilization, and as long as everything is clean you should be good to go. Don't apply for 6 months after that, because scores are most impacted in the first six months of taking an inquiry. If they choose to decline you, try to recon, I have heard that they are extremely recon friendly. The card is worth the inquiry and It's one of my last 2 cards that I'm aiming for and hopefully I will be able to get it the 2nd time around. Good luck.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.