6/17/2009

Have heard a few in the credit card reviews, might as well slide them over here.

Oh my goodness, talking about a type incident! Now that is weird!

i applied for a Macy's card in November of 07 and received my card a week later along with a letter. I put the letter down and took the one with my card in it to Macy's and went shopping.knowing that limits was usually 100.00 online i bought about 92 dollars worth of clothes(without discount 155.00).so i go home and after settling down i decided to read the letter.i laughed when i read it because it said "we are not able to extend you credit at this time etc.....a regular denial letter but i still received the card.

Thanks for listening Meya! I knew you would come through with it! This should be fun!

You know it! I can't wait to see this tread get started. We need to hear some war stories....lol. Ewwwww RoBoCoP, sorry it had to be you neighbor!

Indeed here was my dealio.. I was surprised to say the least, lesson learned, didn't really need this card anyway

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After reading here I decided to apply online for the Hooters card for the cool card My scores were 673/693/696 (TU where Hooters pulls).

I got the 7-10 day message, called in and was advised I was declined. I shockingly asked why and the young lady said because I did not meet one of their criteria. The one I didn't is that you cannot have not applied or obtained a mortgage between December 2004 and now (mine was obtained). I was SHOCKED this is why I was declined. I wish I had known that ahead of time and I wouldn't have applied/taken an INQ. Now I am wondering if I can get Hooters to remove the inquiry because I certainly would not have applied had I know this was a factor.

Worth noting also that my mortgage payment ($800) is very low against my income

Thanks for listening Meya! I knew you would come through with it! This should be fun!

After reading a posting from RoBoCop and the experience with Hooter's, HJM331 thought we should start this thread.


Has anyone had an approval or denial situation that was so 'Rediculous" that it was too wacked for you to understand? If so please tell your story here.[/b]