Gir_0 0 Posted January 5, 2013 So I opened a Chase account like a month ago and I tried to open a credit card account so I can build my credit score (currently at 0). I got denied right away. I was reading the forums and some people got their credit cards approved with Bank of America. Is it bad to have more than 2 checking accounts? I can open one at Bank of America and try to apply for the credit card. I also applied for Macy's and JcPenny's and also got declined. Does anyone know why this happened? Thanks Share this post Link to post Share on other sites
Admin 174 Posted January 5, 2013 You opened a chase account checking account. Did you appply for the credit card same day as well? If not, how long did you wait? I as well opened a chase checking account about more than a month ago. And just yesterday, i applied for a credit card. They need 10 days or less to make a decision. This makes me a little worried now. I hope they don't decline me. In other news, I also applied for a Capitol One Credit Card and got approved right away. 500$ limit. Share this post Link to post Share on other sites
Rawf 336 Posted January 5, 2013 Store CC require you to have a good credit history, and to get a credit card at bank of america you have to have a credit established with them for years or you can try the secured credit card they offer which you have to pay $99 and you get a limit of 500 or less. You cannot apply online, it has to be at your local bank center. Share this post Link to post Share on other sites
roadrunner11 167 Posted January 6, 2013 US Bank seems to be a little better about granting us credit. Try that one. It is not bad to do banking business with 2 different banks. Also, I applied for a phone today and I had to pay a deposit but in the long run these things will help build our credit score. Share this post Link to post Share on other sites
beatrizrivera909 38 Posted January 6, 2013 just becareful dont get to crazy with credit card. ive been with baank of america since 09, ima ask em if i qualified for a credit card:) i dont really need one but in da future i would like to buy a house:) so i know i neeed da credit:) Share this post Link to post Share on other sites
Gir_0 0 Posted January 7, 2013 Thanks guys, I'm applying for a Wells Fargo CC since my parents have been clients there for a while and can co-sign there. If not, then I'll get a Capital One Secured CC. Share this post Link to post Share on other sites
Osha 126 Posted January 23, 2013 Try local community banks, if you live in one of the southern states, try Regions Bank instead of those big banks like Bank of America. Share this post Link to post Share on other sites
splif0clock 89 Posted January 29, 2013 just becareful dont get to crazy with credit card. Yea, I would be careful about trying to open a credit card so soon. Most probably, you don't have the right amount of credit score to get approved and when ever you do try to open one and you get declined, it will affect your future FICO score. Remember, you need to establish your credit worth by having small utility bills, cell phone bill , and an apartment lease under your name, etc.. . And, make sure you accounts don't go in any kind of delinquencies if you are truly trying to establish a good credit score. If you are going to college, the prompt payments you make would also boost your rating. If you can find someone to cosign for you then you should be good. But, make sure you stay on top of your minimum payments. 1 Admin reacted to this Share this post Link to post Share on other sites
Admin 174 Posted January 29, 2013 I tried discover with no credit score and it worked. I would also sugesst calling them as soon as you file for a discover credit card.I got a 500$ credit limit. Share this post Link to post Share on other sites
roadrunner11 167 Posted January 29, 2013 This is good to know MOE. I have been tempted to apply for a Macy's credit card or a banana republic one has anyone tried those kinds of cards? Share this post Link to post Share on other sites
Rawf 336 Posted January 29, 2013 This is good to know MOE. I have been tempted to apply for a Macy's credit card or a banana republic one has anyone tried those kinds of cards? Oh my.. Banana Republic. Macy's seems to be very strict when it comes to approving people. Share this post Link to post Share on other sites
Dreamer81 0 Posted April 3, 2014 So I applied last week at Old Navy and was approved a 300 dollars credit line .. I could also use it at Gap,Bannana Republic, Pipper line... I had applied with Bank credit cards and was denied for those... now I have Old Navy card .. Its a good start building my Credit Share this post Link to post Share on other sites
Tonatiuh609 1 Posted April 17, 2014 i had a secured card everything was fine TILL i forgot i have one so for like 3 months didn't pay off .... now im FUCK ,,,, they closed my card nd have to wait 6 months to a year to be able to apply for a new one lol ... YOLO Share this post Link to post Share on other sites
Rosar 0 Posted April 25, 2014 Has anyone tried to apply for SEARS or Macy's cards ?? Share this post Link to post Share on other sites
Tonatiuh609 1 Posted April 29, 2014 i did, last week nd got denied ..... a week later got a letter saying,that i got denied cuzz they couldnt find any type of credit history :/ fclng blows Share this post Link to post Share on other sites
