Credit card question

[sermon_of_mockery]

Is there a rule to where you must have some line of bad credit to be concidered for a credit card?
I have more than adiquite credit to back my name.WTf.I can't even score a best buy,or sears card!

 

[justyxxxx]

If I were you, I'd check your credit score thru equifax with the three main agencies to see why you can't get a card. You want to make sure that you get the credit reports AND the credit score. The score report will tell you what is causing your score to rank whatever it is . . .

www.equifax.com

 

[Bonkme2]

Yeah...if you can't get credit, but you think your credit is good, then check it right away. There may be some errors on your reports, which happen all the time, but you won't know until you check them.

 

[jenscats5]

The credit card usually will send you a letter & will sometimes include a general explanation of why you were turned down. You can also use the turn down letter to get a free copy of your credit report. However, most bureaus will not release the score to the public. Also, some companies have custom scoring models....

Look at your debt to income ratio.....are the cards you have now maxed out.....do you have any lates, BK's, etc????

 

[RaZor Ramon]

Get a copy of you credit report. There are often mistakes on them or something you forgot about. I quit a gym because I moved out of the state. I closed the account they were direct drawing from, but they were still trying to collect money from me unbeknownst to me. That was a slight fuck up. But I'd check into it. Sears and Best Buy cards aren't that hard to get.