Originally Posted by
canyoncar
You just have to be selective about which cards you apply for.
When Chase and Amex effectively bar you from their cc bonuses, it's no longer a question of being "selective". You are just s**t out of luck. And, unless I somehow learn to MS, I will never see substantial Ultimate Rewards, Membership Rewards, or United miles again.
Originally Posted by
canyoncar
Do you already have too much credit with that bank? How much credit limit do you have over all your cards? Is that very high compared to your income? Maybe the banks don't like your AAoA.
I do have several older cards (~2003) with BOA, and about 7 Alaska Airlines cards.
I also have a couple of old (~2001) Citi Dividend cards.
Not sure what formula the cc companies use to determine if my income is proportional to my request for credit, but my hunch is that it is within reason.
Originally Posted by
canyoncar
There's some reason you're getting straight up denied for 3 cards. I know it's frustrating to have that happen, but perhaps you need to let your current cards age a little bit.
I was thinking the exact opposite. I wanted to close down my useless older Citi and BOA cards because they may be a hindrance to qualifying for additional credit. I know this is considered sacrilege on this forum, as the average age of your accounts contributes to your credit score, but my reasoning is that the credit hit would only be temporary.