"Denied With Good Credit?????"
Victoria's Secret Angel Credit Card Review
Written by: omiej on 2009-06-03
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omiej's review: 
I applied for a VS card in May 2009 online and was denied. I really don't understand why - My FICO is 691 (not bad), I have 5 lines of open credit - a car payment, three major credit cards, and one charge account. I have NEVER been late on a payment, I have NO BK - I don't get it... The only thing I can think is that I do not have an extensive credit history - but that shouldn't be the reason I'm denied for a store CC maybe a major CC, that I can understand... Was very disappointed especially because I spend so much money with them to begin with
I applied for a VS card in May 2009 online and was denied. I really don't understand why - My FICO is 691 (not bad), I have 5 lines of open credit - a car payment, three major credit cards, and one charge account. I have NEVER been late on a payment, I have NO BK - I don't get it... The only thing I can think is that I do not have an extensive credit history - but that shouldn't be the reason I'm denied for a store CC maybe a major CC, that I can understand... Was very disappointed especially because I spend so much money with them to begin with
8 Comments
Comment 1 by skeewee08
Call Them 
on 2009-06-03
OmieJ... Sorry to hear about your denial you may want to give them a call I just got approved last week and can give you the number on the back of the card.
When you call them ask them for a reconsideration my DH applied for a Kays card, and was denied because they could not verify employment; Meya told me to call Kays(she gave me the # on the back of her card) we called and they told DH to go to one of there stores and show his most recent pay-stub. And he got approved. So give them a call...
1-800-695-9478
on 2009-06-03 OmieJ... Sorry to hear about your denial you may want to give them a call I just got approved last week and can give you the number on the back of the card.When you call them ask them for a reconsideration my DH applied for a Kays card, and was denied because they could not verify employment; Meya told me to call Kays(she gave me the # on the back of her card) we called and they told DH to go to one of there stores and show his most recent pay-stub. And he got approved. So give them a call...
1-800-695-9478
Comment 2 by rockin35
Additional Reasons..... on 2009-06-03
WFNNB sometimes denies based on debt/credit utilization, overral debt, amount of recent inquiries, and other reasons. You may want to give them a call and see if they disclose any reasons for the denial or ask when the best time to re-apply. Rockin35
on 2009-06-03 WFNNB sometimes denies based on debt/credit utilization, overral debt, amount of recent inquiries, and other reasons. You may want to give them a call and see if they disclose any reasons for the denial or ask when the best time to re-apply. Rockin35
Comment 3 by rabbit713
Credit History! on 2009-06-03
Hey girl maybe u were denied because your credit istory has a short life span on file, because you seem to have enough accounts open in good standing, u should wait and re apply for this card in 6 months or when you are in the 700 club.
on 2009-06-03 Hey girl maybe u were denied because your credit istory has a short life span on file, because you seem to have enough accounts open in good standing, u should wait and re apply for this card in 6 months or when you are in the 700 club.
Comment 4 by colonative
History on 2009-06-03
How old are those other accounts that you mentioned? How many inquiries do you have?
If a creditor sees too many new revolving accounts and inquiries in a short amount of time they will think you are loading up to bust out.
All things take time.
on 2009-06-03 How old are those other accounts that you mentioned? How many inquiries do you have?If a creditor sees too many new revolving accounts and inquiries in a short amount of time they will think you are loading up to bust out.
All things take time.
Comment 5 by lkazzie
Applied But Waiting For Approval on 2009-06-05
I applied for this card about 2 1/2 weeks ago and still haven't heard from them. Called the credit card customer service number but they can't give me status application information. Any suggestions?
on 2009-06-05 I applied for this card about 2 1/2 weeks ago and still haven't heard from them. Called the credit card customer service number but they can't give me status application information. Any suggestions?
Comment 6 by kogeb802
Same Issue on 2009-06-05
How did you apply? I applied about 2 weeks ago online... And I haven't got response yet either. Does anyone know y or had this experience too?
on 2009-06-05 How did you apply? I applied about 2 weeks ago online... And I haven't got response yet either. Does anyone know y or had this experience too?
Comment 7 by lkazzie
Applied Online Too on 2009-06-06
Yeah I applied online as well. So I went into the store today and applied again and got the same message so we'll wait and see if I get anything in the mail.
on 2009-06-06 Yeah I applied online as well. So I went into the store today and applied again and got the same message so we'll wait and see if I get anything in the mail.
Comment 8 by qchau
Victor Sec Credit Card on 2009-06-13
My may not know there are many banks had changed their guidelines this year 2009 - last year, they used (FICO) 680 score, or above to qualified for Visa or MasterCards - now they used 720 or above - I have exact problem you got before and my recently score is 702, but got DECLINE for 5/3 bank Visa card this week (June/09) - because the economy change and hits banks really bad - no wonder why banks changed their guidelines, rules, etc.
good luck and take care
on 2009-06-13 My may not know there are many banks had changed their guidelines this year 2009 - last year, they used (FICO) 680 score, or above to qualified for Visa or MasterCards - now they used 720 or above - I have exact problem you got before and my recently score is 702, but got DECLINE for 5/3 bank Visa card this week (June/09) - because the economy change and hits banks really bad - no wonder why banks changed their guidelines, rules, etc. good luck and take care
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Disclaimer: This content is not provided by Comenity Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Comenity Bank. Review content is powered by Finance Globe.
