m0nster Posted July 18, 2017 Report Posted July 18, 2017 Naku okate credit card vundhi discover($1500) and FICO score kuda GOOD - 720 But when I am applying for new cards they are rejecting with reason less number of accounts and less credit history. So I have got 3 hard enquiries with rejections. Please throw some light how to overcome this situation Quote
mavericktx777 Posted July 18, 2017 Report Posted July 18, 2017 First Credit card account open chesi enni months/years ayindi? Quote
nildesparandom Posted July 18, 2017 Report Posted July 18, 2017 what are those cards you applied for ? Quote
xxxmen Posted July 18, 2017 Report Posted July 18, 2017 4 minutes ago, m0nster said: Naku okate credit card vundhi discover($1500) and FICO score kuda GOOD - 720 But when I am applying for new cards they are rejecting with reason less number of accounts and less credit history. So I have got 3 hard enquiries with rejections. Please throw some light how to overcome this situation FICO vadu 720 ichadu ante real time banks credit check cheste adi 670 vuntundi never trust free credit reports bhayya Quote
m0nster Posted July 18, 2017 Author Report Posted July 18, 2017 2 hours ago, mavericktx777 said: First Credit card account open chesi enni months/years ayindi? 1 year Quote
m0nster Posted July 18, 2017 Author Report Posted July 18, 2017 2 hours ago, nildesparandom said: what are those cards you applied for ? chase, city Quote
m0nster Posted July 18, 2017 Author Report Posted July 18, 2017 2 hours ago, papampasivadu said: Allways call them immediately after you apply...are you calling them to reconsider after you get rejection??? As long as you pay bills on time and have good score, icchestaru card... ok... I will call them Quote
Hitman Posted July 18, 2017 Report Posted July 18, 2017 Dont apply any more.. get 2 secured credit cards , build history with that for at least one more year... Quote
Peddayana Posted July 18, 2017 Report Posted July 18, 2017 6 hours ago, m0nster said: Naku okate credit card vundhi discover($1500) and FICO score kuda GOOD - 720 But when I am applying for new cards they are rejecting with reason less number of accounts and less credit history. So I have got 3 hard enquiries with rejections. Please throw some light how to overcome this situation Your score is decent enough but you may have been aiming at higher level cards , try something like Capital one quick silver one , Chase freedom , American Express Blue cash etc , They are decent cards , try some of them and keep paying your balance for 4-6 months , your score will improve , also take a car loan/lease if you have that need , the number of different variety of accounts really help in improving your score , always pay off balance monthly , since you have crossed 1 year with Discover , ask for a credit limit increase , I think you can do that online , I know of people in similar cases , 1 year , just one card with around 3k , in the next year took the credit limits to 50k+ with multiple cards with good planning , you can do it too , start with decent cards , have patience and as repeated multiple times , pay off monthly Also as many people mentioned above , call them to reconsider etc Quote
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