 Dillard's Amex -> DENIED!!!, but here's why... |
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 Apr 2 2006, 12:23 AM
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#1
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Group: Members
Posts: 1,192 Joined: 25-September 05 Member No.: 22,540  |
I don't feel to bad, i can probably be approved in a few months
heres why i was denied according to the letter from GE Money Bank: box 2 checked. "In evaluating your request, a credit scoring system was used...... ............Nevertheless, the factor(s) where you did not score well compared with other consumers have been determined and these factor(s) were: " # OPEN REVOLVING ACCTS W/ BALANCE 75%+ OF HIGH CREDIT LAST 3 MTHS  this leads me to believe that all i have to do is pay down accts and i will get approved, no??? but really the only card i maxed was the capone so i could get the the BIG $600 high credit  oh yeah, and then there is the Best Buy card that is maxed out... OOPS! 
 I am so pleased to be informing you that you have won the lottery in the republic of Ass-wenistan. You won a great abundance and magnitude of money. All I need to transact this transaction is small processing fee to be required; Simply cash this check a portion of your winnings and pay the fee, then I will effect payment swiftly! Hungry?  or  http://kfccoupons.cre8hosting.com/index.ph...ns&zipcode= |
  
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| Googie |
Apr 2 2006, 12:23 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Apr 2 2006, 12:32 AM
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#2
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CB Queen of Understatement
Group: Members
Posts: 22,249 Joined: 7-July 05 From: Colorado Member No.: 19,328 |
QUOTE(Ace_TX @ Apr 1 2006, 10:23 PM)  I don't feel to bad, i can probably be approved in a few months heres why i was denied according to the letter from GE Money Bank: box 2 checked. "In evaluating your request, a credit scoring system was used...... ............Nevertheless, the factor(s) where you did not score well compared with other consumers have been determined and these factor(s) were: " # OPEN REVOLVING ACCTS W/ BALANCE 75%+ OF HIGH CREDIT LAST 3 MTHS this leads me to believe that all i have to do is pay down accts and i will get approved, no??? but really the only card i maxed was the capone so i could get the the BIG $600 high credit oh yeah, and then there is the Best Buy card that is maxed out... OOPS! Sorry about your denial. Oh, and your siggy - I just heard that joke for the first time the other day. LOL!!!
Thanks for your donations everyone, I raised all the money to run with team AHEPA in Athens!
I'm insane... My running blog Make Money Online |
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Apr 2 2006, 12:33 AM
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#3
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Group: Members
Posts: 11,333 Joined: 20-November 04 Member No.: 10,186 |
QUOTE(Ace_TX @ Apr 1 2006, 11:23 PM) I don't feel to bad, i can probably be approved in a few months heres why i was denied according to the letter from GE Money Bank: box 2 checked. "In evaluating your request, a credit scoring system was used...... ............Nevertheless, the factor(s) where you did not score well compared with other consumers have been determined and these factor(s) were: " # OPEN REVOLVING ACCTS W/ BALANCE 75%+ OF HIGH CREDIT LAST 3 MTHS this leads me to believe that all i have to do is pay down accts and i will get approved, no??? but really the only card i maxed was the capone so i could get the the BIG $600 high credit oh yeah, and then there is the Best Buy card that is maxed out... OOPS! What is your score and your overall utilization? EX, TU, and EQ, frozen until.............further notice
"The man who said it can't be done should not interrupt the woman doing it." |
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Apr 2 2006, 03:56 AM
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#4
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Group: Members
Posts: 1,394 Joined: 11-July 03 Member No.: 1,362 |
GEMB explanations are completely bogus most of the time.
Did you apply online or in the store? The reason I ask is that I was denied the store card online and shortly after, I applied in the store and got 3000.00 on the spot. (with the same info on my report) Give it 30-60 days and apply again, but in the store. Do you already have a Dillard's store card? You can tell more about a person by what he says about others than you can
by what others say about him. - unknown |
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Apr 2 2006, 08:16 AM
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#5
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Group: Members
Posts: 1,192 Joined: 25-September 05 Member No.: 22,540 |
yeah, i have had a Dillard's card for like 10 years
i had applied online, thought maybe i didn't need to apply in store since i had an acct. already i'll probably go in the store today or tomorrow and see what happens... if i still don't get it i'll just wait 6 mos. I am so pleased to be informing you that you have won the lottery in the republic of Ass-wenistan. You won a great abundance and magnitude of money. All I need to transact this transaction is small processing fee to be required; Simply cash this check a portion of your winnings and pay the fee, then I will effect payment swiftly! Hungry? or http://kfccoupons.cre8hosting.com/index.ph...ns&zipcode= |
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