Originally Posted by
cce5858
I was 824 and declined non-stop the entire year (wasted like 6 inquiries all declined). Finally got approved business after CD 1500. I should note that the credit limit is based on the CD, so I basically created a CD for 10,000, so I could have a 10k credit limit. The minimum of 1500 is an unusable 1500 credit limit, which would put you close to maxing out when you complete minimum spend. My friend said you could keep the CD open, close the card, and re open another one and use the existing CD.
Do you / did you churn this card?
Did they explain why they kept denying you? Too many recent accounts?
You have 6 hard pulls sitting on your credit report from this card alone? What bureau(s) did they pull? I can't believe you kept going after 6 rejections in a year. Do you need the 30K points for a big, aspirational redemption? Not being facetious, I am genuinely curious.