mj11 Posted January 7, 2008 Report Share Posted January 7, 2008 Wow, I got denied by Best Buy with a 715! I have under 30% util. on both cards and one of them is an HCBC to boot. They pulled EQ.Any have any idea why? Link to comment Share on other sites More sharing options...
metcalf34 Posted January 7, 2008 Report Share Posted January 7, 2008 That is crazy!!! Link to comment Share on other sites More sharing options...
SandyeKay1 Posted January 7, 2008 Report Share Posted January 7, 2008 If someone with your score can't get a Best Buy card....well there's little hope for the rest of us.Hope it was a mistake and they resolve it after you call and demand the explanation from a top manager....Best of luck. Link to comment Share on other sites More sharing options...
mj11 Posted January 7, 2008 Author Report Share Posted January 7, 2008 Who would I contact about having them reconsider? I see others have been approved with much lower scores.. Link to comment Share on other sites More sharing options...
virginiabound Posted January 7, 2008 Report Share Posted January 7, 2008 Try this number.DH was told to call this number 'to complete his request'877-338-3048Not sure if it will help, but at least it's a start! Link to comment Share on other sites More sharing options...
intera1 Posted January 7, 2008 Report Share Posted January 7, 2008 I think Best Buy and Walmart both use GE?? for their credit and Walmart turned me down 4 months ago giving me 4 reasons. Low CC credit, High Percentage of usage, Credit too new, and only one type of TL. At this time I owed Orchard 100 on a 200 Limit. After getting my TU report to see what they were seeing I paid off my Orchard account and 2 weeks after being turned down by GE-WalMart Credit One offered me a $600 CL..Both saw the same report and one thought I was not worth the risk and the other gave me a limit probably 3 times what GE-WM would have. Link to comment Share on other sites More sharing options...
virginiabound Posted January 7, 2008 Report Share Posted January 7, 2008 Actually, BB uses HSBC, not GEMB Link to comment Share on other sites More sharing options...
sgip2000 Posted January 7, 2008 Report Share Posted January 7, 2008 They do a lot of "auto denial" and send a letter telling you to call for the reasons. Once you call, they'll verify your identity and approve you. Link to comment Share on other sites More sharing options...
Bullishjth Posted January 7, 2008 Report Share Posted January 7, 2008 I was approved yesterday for $2,200.00 with a 695. I did have to call the 800 number after i filled out my application online and talk to some idiot to confirm i am "Bullishjth" but thats it. They pulled EQ if that helps, but Im in NC. And that was the store card not the Mastercard. Link to comment Share on other sites More sharing options...
Fozzle Posted January 7, 2008 Report Share Posted January 7, 2008 sgip2000 speaks the truth. They denied me initially but it turns out there was an address verification problem that was cleared up with a phone call. Link to comment Share on other sites More sharing options...
mj11 Posted January 7, 2008 Author Report Share Posted January 7, 2008 I called today and it was denied because of negative info in my EQ report. I have 715 score and 2 accounts with late history, the lates were 3 years ago. Navy Federal just approved me for a 30k credit card using EQ and Best Buy won't approve me for 1k. I also already have an HSBC card with a perfect record. Wow, you just never know I guess huh? Link to comment Share on other sites More sharing options...
Krash Posted January 7, 2008 Report Share Posted January 7, 2008 HSBC is crappy like that, their orchard plat is the only thing nice, and to tell you the truth i am paying in full and getting rid of their cards before the af comes around, I got a 6,000 cl on a shell select plat and a 3200 cl with a citi select plat, and moved 4000 off the 6000 cl on the shell to the citi select, at 9.49 u can't go wrong, plus they lowered my apr on my shell card to 13.4 and 2.4 for 6 months, not bad!! So now I have a 2000 cl on shell and 7200 ON CITI select lol.. The citi select also has 0 int on bt's or any other purchase for 1 year Link to comment Share on other sites More sharing options...
debtmamma Posted January 8, 2008 Report Share Posted January 8, 2008 I called today and it was denied because of negative info in my EQ report. I have 715 score and 2 accounts with late history, the lates were 3 years ago. Navy Federal just approved me for a 30k credit card using EQ and Best Buy won't approve me for 1k. I also already have an HSBC card with a perfect record. Wow, you just never know I guess huh?WOW Congrats on the NFCU! Link to comment Share on other sites More sharing options...
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