Dillard's Amex -> DENIED!!!

[Ace_TX]

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!

[squirrelgirl]

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!!!

[Curious]

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?

[victornewman]

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?

[Ace_TX]

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.