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Credit explanation please.

Discussion in 'useless chatter' started by wr3kt, Oct 25, 2004.

  1. OK, I've been trying to apply for a CC and I applied at AMEX website...now...I was declined...at first because I've never had a cc and that was about it. I've never had use for one as ever since I was 16, if I didn't have the cash to buy something, I didn't buy it or until I got a check card, I had no use for a CC. Now I'm trying to build credit and Ii got the rejection letter from AMEX.

    I don't qualify for the following reasons:
    Account(s) not paid as agreed
    Number of accouns deliquent
    Lack of recent information on revolving accounts
    Length of time accounts have been established.

    :wtf: I can sort of understand the last...but the first three threw me for a loop...

    The only cc I ever had for any amount of time was a backup cc I had on my first checking account. I had originally cancelled it and applied my savings for overdraft protection, but BoA fucked up and didn't so I overdrew once and it applied to the CC instead of my savings and I didn't know until 2 months later when I got a statement for the CC balance. I got it resolved and paid immediately and that was the end of that. Beyond that...I have no clue...
    I had cable payments while in college that I'd occasionally miss but follow up in the month after. I've had a cell phone bill for the past 4-5 months or so and I've paid those damn near perfectly. So...wtf...I don't get it.
     
  2. I think that's just a form letter
     
  3. AmEx isn't a good card to start out on because of their high requirements. 4-5 months isn't enough to get an AmEx card.

    It just means you don't have enough of a credit history
     
  4. AMEX? who the fuck is that?

    Anyways, I only read half of your post because it is too fucking long, but listen

    Whether your 18 yrs old or 30 or whatever, getting a credit card is easy...

    just pick a well known credit card company (capitol one, mastercard, whatever)
    and start an ENTRY level profile - sure your credit line will blow donkey balls
    (most start out with 500 bucks spending cash) but if you use it and pay
    your credit bills on time and in full you'll have a good amount of credit
    started up in no time
     
  5. Ouch.

    Have you seen your credit report lately?
     

  6. American Express
     
  7. Bank thru me.
     
  8. I :heart: amex, maybe a bit too much
     

  9. Nearly all of my recurring bills goes through them.

    Points++
     
  10. hot
     
  11. [​IMG]

    My AMEX Black card. :cool:






    :shifty:
     
  12. No, but I'm going to after this.
     

  13. Sounds like a good idea.

    The MyFico.com site is a good one.
     
  14. I think it's be more of a form letter if it said "One or more of the following" not "all of these reasons".
     
  15. shens
     
  16. Ahahahhahahha, yeah right :D
     
  17. no shit it's shens, like 5 people on tha planet earth have black cards
     
  18. No shens. I really have an unlimited credit rating with them. This gives me the ability to charge an entire island if I wanted one.

    Really.
     

  19. Even if it were his, it expired
     

  20. I wouldn't post the valid one... That's just wrong.