Originally Posted by loganleelamson

Instead of starting a new thread I thought I would jump on and ask a similar question.

A little bit of history:

I just got my first credit card about a year and a half ago through Bank of America. It had a fairly low credit limit because I had no credit established (no student loans, car loans, anything).

I got a capital one card last year around November and it had an even lower credit limit, but both have no annual fees.

In April I got my first miles card, that being a JetBlue AMEX. It had a 2K limit which was much higher than my other cards.

I got pre approved for a Discover card in July which I only got because they would give $100 cash back after $1K spend in three months.

I have no balances on any card, I pay off all of my charges before I even get a statement. I recently tried to get the Citi AA Visa for the 75,000 miles after $1500 spend because I'm about to make a large purchase and I realize that it would be a good time to get a card that I could get bonus points for and meet the minimum spend without problems. However, I got declined for the Citi AA Visa with the statement "Too few satisfactory credit references were recorded on your credit bureau report".

I looked at my credit report and there is nothing unsatisfactory about anything. I'm using 1% of my credit available (3.65K) and have nothing bad on there. I called and resubmitted my credit report and I haven't gotten something in the mail or email back on a reconsider, but I called the other day and entered my reference number and they said I was declined.

So, I was just wondering if anyone had input in how I should proceed with my situation in wanting to hit a minimum spend knowing I will be spending around 2K in the middle of October. It seems the fact that I haven't needed credit much is really weighing against me, and I'm not sure how to really combat it.

I would love to get the Chase Sapphire Preferred card, but there is no way that I would be allotted a 5K Credit Limit (given that is the minimum). I'm also looking to plan a trip to Tokyo in the Spring and so I was hoping whatever miles I could get as a sign up bonus would be put toward that.

Any help would be great!