Originally Posted by
mikeycanuk
Anyone get denied for a new MBNA card application? It's because of applying for too many cards via your credit report/score.
Odd thing is I got the Alaska card, my wife got denied. She makes way more than I do, she got the CIBC Aerobiz last week, a basic Amex Aeroplan card 2 months ago and cancelled 2 Amex cards last week (another mistake?).
Oddly her SPG application required proof of income, applied the day before the MBNA app (mistake in timing?)
I got a biz SPG 2 weeks ago, basic Amex 2 months ago and the Alaska card last week. I cancelled the personal Amex gold card 2 months ago.
I'm wondering when can she reapply if at all? This is totally new territory to me.
Something funky about the SPG Amex. Many reports of low initial credit limit, proof of income to get approved, reports of denials due to too many checks. Seems this card is harder to get then the other Amex.
As for MBNA, I would wait for all cards to have at least posted to the bureau twice, ideally 90 days without checks, and she'll be approved no questions asked if she's clean on payments.