Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

Is It Easier to get Credit Cards?

The last post in this topic was posted 4759 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

I read on here every day about people who have lower scores than mine(and more bads on their reports) that get cc with companies that I have applied for but have been denied. Is it easier to get a credit card from a lender if you already have a couple with other lenders?

Share this post


Link to post
Share on other sites

I read on here every day about people who have lower scores than mine(and more bads on their reports) that get cc with companies that I have applied for but have been denied. Is it easier to get a credit card from a lender if you already have a couple with other lenders?

<_< What are your scores and DTI?

Share this post


Link to post
Share on other sites

all 3scores are mid 600's dti is high b/c of 2 repos. have 2 paid auto +1 current auto loan (no lates), cu loans=paid/closed, installments about 6 all paid and closed but 1 that is current and almost paid. I don't want to pay it off because I'm trying to keep it at least 6mos. I have 2 new revolving accounts.

Share this post


Link to post
Share on other sites
all 3scores are mid 600's dti is high b/c of 2 repos. have 2 paid auto +1 current auto loan (no lates), cu loans=paid/closed, installments about 6 all paid and closed but 1 that is current and almost paid. I don't want to pay it off because I'm trying to keep it at least 6mos. I have 2 new revolving accounts.

 

As I said above, it all depends on the creditors, and scores are NOT everything. You can have scores all above 700, but still get denied due to various reasons.

Share this post


Link to post
Share on other sites
Yes. No credit is worse than bad credit.

 

Wrong. It all depends on the creditors.

 

A low credit score is higher than NO credit score. That better?

Share this post


Link to post
Share on other sites

In my experience, yes, it helped a great deal once I got in with Macy's and JcPenny. I used the cards and PIF and then I moved up. I started with NO credit at all (no baddies at all) but was on my Dh's cards as an AU so they were reporting (at the time before the "rule' took place) and giving me a great history plus a decent climbing score which gave me the opportunity to get more cards. After awhile, I finally got in with Citi on my own and was also able to get on my Dh's new truck loan this past March and my new car that I just got this past July. :unsure:

Share this post


Link to post
Share on other sites

i was approved for CJ in Aug07. I made a purchase with my debit card. I was told after a couple of days that what I ordered was not in stock. I have not ordered anything else because I did not like the look of the website. :ph34r: I also heard that some people had their card numbers compromised from CJ's site. What are your suggestions? Do you feel the site is safe? Should I go ahead and make a payment so that I can get this tradeline reporting? Please help the undecided. One of my goals was to establish revolving accounts. Now I have 3(1 being CJ that no one can see) :) I love CB. I just joined this year but I have been reading this board since 12/05. CB helped me get my first deletes-3 total and I did them online (gunghoe and not willing to wait but IT WORKED!!!!!) :D

Share this post


Link to post
Share on other sites

The last post in this topic was posted 4759 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Member Statistics

    • Total Members
      179,464
    • Most Online
      2,046

    Newest Member
    MrsOKW
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines