Credit Card Applications Keep Getting Denied Without Explanation

“Same problem with with both my Chase Sapphire card and another household member's card (two separate accounts). I found information that the linking had to be done on the Chase app, but kept getting an error message about "no cards eligible". I uninstalled the app, re-installed, rebooted the phone...and after logging in and out two times, Paze finally showed up and I was able to link....but then ran into a problem with id verification not wanting to scan my id. After 1 hour of tryi”

Why am I unscorable on my credit report

“I currently have the CFU with $2900 CL and CSP with $10k CL, with 2 other non-Chase cards with CLs within that range. However, I have $40k personal income. I'm worried Chase won't give a large enough credit line for me to carry a balance of $8000 (MSR) since I want to utilize the 12 months 0% APR. Do you think I should apply for a personal card instead? submitted by /u/NoDress3043 [link] [comments]”

“i did not get approved for this card :( is there anything else i should do? It said my credit score wont be affected.”

“have had the same issue throughout hitting the 100k sub on the CSP recently To their credit, they did legitimately block a fraud charge, sent a new card, when I activated the replacement, idk wtf happened, but they are sending another replacement-- it'll be 2 weeks since hitting the SUB and being able to use the card again”

“So i know for chases 5/24 rule (general rule) it is; business cards LOOK at 5/24 to decide whether or not to approve you. if you're at 5/24, you get denied business cards does NOT count towards 5/24. My plan was to wait until May 2027 to apply for either the CIU or CIC. or the CIP (or both. depending on CIP's offer) as well as CSR. however, an easy churning opportunity came and i am looking to get the CIU or CIC asap Since i am at 5/24, i am going to assume i wont be approved. which than”

“I applied and got approved for a Capital One Discover It card to use for college only to find out I was unable to verify my phone number on the mobile app to use my cc.. I went through hours of customer service and got my case escalated to the Digital team only for them to be like “lol sucks to suck just wait and pray idk”which is no resolution. Since I’ve already waited a month at this point I want to switch banks and apply for another credit card. However I read online canceling/closing a cred”

“Hey yall, I applied for the Chase Ink Unlimited just yesterday, and I got denied. I am aware of the 5/24 rule, the 5th newest card that I was approved was on 9/6/2024, given the 5/24 rule, that 5th card shouldn't have been counted, right? I called recon however, they said I am still at 5/24. Should I call back for another agent, or should I wait until 10/1 to apply again? submitted by /u/ipwn3r456 [link] [comments]”

“data point: Sep 1 (day 1 of going under 5/24; last account to drop off was opened Aug '24) Applied for Biz Ink Preferred and got denied Called reconsideration line 4 hours later (I didn't wait for the letter on my Chase inbox) Rep1 said I was denied because of 5/24, I said I looked at my credit report and said no. Got forwarded Rep2 did some checking, asked details about my business, and approved”

“It's been 50/50 for me. Getting the credit is all over the place with getting it within a week or two, to over a month.”

“Hi all, I am trying to help my partner renew their card after it was lost back in May when we were in Nevada. We are just about to get the last bit of savings to pay for the application. HOWEVER, in light of everything we are afraid to submit because we are unsure of how the process is going to play out. Can someone offer us some insight if they have done this recently, we are extremely nervous because although he has done nothing wrong, we are afraid of the potential risk of being detained just”

“I've seen a couple datapoints recently that people have been denied with this specific reason cited on their denial letter. Has anyone been approved without a mortgage? I don't have a mortgage or car payment. I read someone on another forum even said "yes" to the homeowner question (most people say no to avoid the HELOC offers), because she had owned her home outright for 20+ years, and she still got denied for that reason. Any DPs of approval? Thanks. submitted by”

“I turned 18 today and have a history with Chase as I've used them for my checking account ~12+ months. I applied for the CFU and immediately got accepted but only with a $500 CL. I am a prop firm daytrader and spend quite a lot to fund that. I want to build my credit as much as I possibly can, and $500 just wont cut it. Should I apply for the CFF (card I've been looking at), another card, or should I just continue spending on my debit till I get a CLI? If I miss anything please show merc”

“So l've been with Chase for 2 years now. I'm 4/24. I have Freedom Unlimited, Flex, Sapphire Preferred. Total combined credit $18,500. Credit scores EX 747/TU 750/EQ Gross annual income at $32,000-$34,000. Never carried a balance no missed payments. I applied for Marriott Boundless and was denied for the maximum credit they're willing to extend for my income. I called for reconsideration to move some existing credit in order to open this new card and was told it's not possible at”

“This happened to me a couple of months ago. Very similar profile to yours. I just shrugged and moved on. If they don’t want my business due to velocity, that’s fine.”

“I detected that your post may be about utilization and its impact on credit score. Please read the info below: Ignore the 10/20/30 utilization %. It’s only applicable when you need to apply for a new line of credit, 1-2 months out. Utilization is suppose to fluctuate, can be easily manipulated, and holds no memory. It doesn’t build credit--think of it as a finishing touch when you need to optimize your score. Feel free to safely and organically use 100% of your credit limit within a month and le”

“Hi, I’m new to this so forgive me if this is kind of a dumb question. I had my first card with discover for a month but because of an error where I had two applications go through to them instead of one my card was discontinued after I paid it off for the month. That shouldn’t hurt my credit too bad right? Additionally I did like my rotating 5% cash back on my card but with capital one acquiring discover is it worth reapplying for my same card? submitted by /u/Thacj_ [link] [co”

“Wondering if I should apply now or wait until I hit the 2 year mark. submitted by /u/ThrowRASkee5555 [link] [comments]”

“You probably already have an account freezes stop new lenders from accessing your file and stops hard pulls. It does not stop current lenders from soft pulls.”

“I have all 3 credit bureaus locked, and have forgotten to unlock it each of the last 3 times i applied for an Amex card, and each time, it was approved. submitted by /u/Diligent_Board_172 [link] [comments]”

“I tried a few different card and they all got denied. Does anyone run into this issue? How did you get it resolved? submitted by /u/Physical-Direction61 [link] [comments]”

“Did you have Amex in Canada? If yes, they will get you an Amex in U.S. with the credit history from Canada on their website. I did this in 2023 and that jump started my U.S. credit history. For capital one, I started with a secure card. This was before I got to know Amex. I got a 500$ credit but I was able to apply for Savor and Quicksilver soon after Amex trick worked. I was then able to close the secure card in a few months without issues. I too had issues with automatic payments. This was whe”

“moved from Canada a couple months ago. I still have functioning Canadian credit cards and great credit there but need a credit card with local billing address for obvious reasons. My employer shifted my presence from Canada to US so my income is now in local USD. After arriving in the US I went to a national bank and opened an account, and insisted they should look at my Canadian credit history to get approval for a credit through them. Rejected outright, the reason code was basically "not”

“How much credit score you need to have to get approved for Venture X? I wanna apply but idk how much credit score is good to apply submitted by /u/ProofShame369 [link] [comments]”

“Ok so “cibil” in US terms is the same as a “credit score” now that that is covered, did you get a reason as why you were denied loans at the banks when requesting credit/loans in the US when you get a denial, they give you a reason why”

“Hard inquiries do not have a static FICO score value, and their impact depends completely on the underlying credit profile. They can be anywhere from 0 points to 21 points. A 20 point drop caused by a single hard inquiry would indicate one’s profile is either very young or very thin (or most likely both). For reference I opened two credit cards one year ago within the same week, and the two hard inquiries only accounted for 6 points together on my Experian FICO 8. Most of the credit score impact”

“Afaik there’s the 2/30 rule, which is a max of 2 Chase card approvals within a 30 day period. But if the United card is the only recent Chase app you’ve made then you should be fine. The bigger issue is that one more card puts you at 5/24. I would suggest you think long and hard about three things before surpassing 5/24: • Are you sure you have no interest in any Chase business credit cards, even knowing they can be applied for using your SSN and used for personal spend/churned for a large SUB?”

“Sounds like me and my Citi cards. One of them is refusing to show up in Paze. USBank at first was a mess too - they added a card that I closed last year as an option, but was missing a card that was currently open. It also listed my Kroger card that recently turned into a Smartly under its old number. Luckily USBank and Chase's banking apps will let you push cards back onto Paze, but Citi's does not from what I can tell.”

“I recently applied for a United card through Chase. I’d like to apply for another card also issued by Chase. Is there any reason to wait a period between applications? Or, is it irrelevant for the likelihood of approval? I believe this next application will be my fifth in two years. Thanks! submitted by /u/ScooterSix [link] [comments]”

“Hi guys, just wondering how often I should check my credit score? Is it daily, weekly, monthly, or ? ( I check my scores on myFICO, Experian, and CreditWise ) submitted by /u/hanson-anims [link] [comments]”

“Because of what? The utilization myth? The factor on the FICO scorecard that has no memory?”

“Ok. Thank you. My credit file is only slightly over 3 years, and I'm a stay at home mom. My robinhood gold card limit is also 500$, but has a 3% back on everything. I hope I'll get approved for Savor too.”

“Honestly crazy. I usually have around 690-700 but my utilization this month was crazy high so it dropped to a 630. Honestly thought I was going to get denied but got accepted. I’m 19 with around 14 months credit history crazy! submitted by /u/just_sams [link] [comments]”

“Yeah I went through something like this when I got my first card, although it was an Amex BCE. Its probably routine KYC. As already mentioned you may get a call from a 1-800 number (I did) so just be sure to look out for those.”

“Check your credit reports from the three bureaus at AnnualCreditReport.com If you have any negative marks, they'll be listed there. You could also drop your credit utilization to single digit percentages for a month or two by paying debit/cash, which would be a minor bump up your score to get into an apartment. Make sure to stay away from "credit builder" products, as they are generally predatory and will usually result in people falling into more debt and damaging their credit.”

“Iv had my Lowe’s card almost 9 months with a $1k limit, I keep getting denied for a CLI and the reason is “not enough time since account was opened” Mind you, I also have carecredit and their Mastercard both with limit increases that iv had more less time? So I’m a bit confused here why they’re being stingy with their lowes card? Always made payments on time, even bought a dryer and paid it off in full submitted by /u/Ok-Nefariousness2529 [link] [comments]”

“Hi, I have never experienced this before so I just want to ask those with experience. So I have BOFA cash reward cc with $11,000 credit line. Today, it asks if I would like a credit line increase so I filled the online form, requesting $20,000. I got an approval but there is a message saying they will send a letter asking for collateral. What is collateral that BOFA would ask for and why? I have a 760 credit score and used the card for 1.5 yrs or so. submitted by /u/Separate_Childhoo”

“790 credit score Low debt to income ratio No derogatory marks Unfroze my credit for the soft app so I don’t think it’s that Can’t figure out why I got denied care credit - have used them in the past. Reading through this sub, it’s generally a crap card and the better option is to apply for a card with a low APR or O% for x amount of months. *emergency dental issue that’s going to require an implant. submitted by /u/Artistic_Ad4656 [link] [comments]”

“Pre-approvals from the Chase portal are a solid indicator but not a lock, you probably already know that. With a 760 and 7.5 years of history you’re in a good spot. The wildcard here is your income and the $10k minimum credit line the CSR requires, Chase won’t extend more than half your reported income across all their cards and your total credit with them can’t exceed your income. Since you only have the one Discover card, your DTI probably looks clean, just make sure that $54k is enough in the”

“Through the Chase website I got pre-approved for a couple cards, but most important to me are the Chase Sapphire Reserve and Chase Sapphire Preferred. I know it’s not 100% guaranteed I’d be approved if I apply officially, but what are my odds for actually getting accepted for CSR? I’m pretty confident that I’ll be able to get CSP, but if I get denied for reserve first I’m worried it will negatively affect me applying for preferred. I hear CSR is a tough one to get approved, and below are some of”

“For the past few years, I have almost exclusively held Chase cards, but I’m wondering if it’s time for me to shake things up. I was recently denied for a CFU for having too many Chase cards (currently 5), and I don’t know if I want to cancel any of them until at least early next year. My end goal as of now is to get the Bilt Palladium and run a hybrid Chase x Bilt setup, but I’m trying to time that application to get the most value out of the card. Right now I am leaning towards opening the Pall”

“What are my odds of approval with Chase? Or what other great cards do you guys recommend with my credit profile. Really just looking for benefits and cash back offers as I have been naively using cash on all purchases. Ideally no yearly fees so I can maintain the cards for a long time especially if benefits wont last... I also have a Navy Fed account if it matters. My current fico is around 680-700 on all 3 major exchanges. I havd 2 open cards one with C1 Secured and Discover It graduated accoun”

“Your exactly right.....I just looked up my transactions for those dates, and its exactly the credit I got. I called Chase, and they said I would get a letter soon explaining....wth?”

“I did get the letter about a week later (after I got a different card). They invited me to complete another application LOL. I did not.”

Tried it. Denied. C1 is so weird.

“no you're not crazy, discover is weirdly flexible with their prequals. the chrome and the regular cashback aren't really "700+ only" cards despite what the marketing says, they're more like mid-600s territory in practice. i got approved for the cashback with a 640 something a while back, and my profile was still kinda messy. the auto loan history and that secured card are probably doing a lot of the heavy lifting here. plus if those old collections dropped off recently, you”

“Ive been rebuilding my credit for the past year. Was not good. Opened a secured card with US BANK last September, and have been paying a new auto loan on time every month since last August. Scores were in the high 4s and low 500s. For a while I wasn't even getting a discover IT secured prequal , in the past 6 months , old collections fell off with 1 remaining which is the youngest one from 1.3 years ago . Scores are now fico 8 equifax 654 transunion 599. Experian fico 8. 629 so tonight for t”

“It was an in store application , I typed in all my info on the guys iPad and the result came back as denied after like 10 mins. I have no debt , minimal expenses no missed payments, I’m baffled”

“They sometimes require you to call in and do income verification or identity confirmation. Did you get denied or some version of letter in 7-10 days”

“Went in to a an omega boutique today and was looking to purchase a speedmaster. We put my info in to apply for wells Fargo jewelry advantage card and I got denied. My credit score is above 80. and my income is above six figures. What can I do for them to accept the next application I put in? Has anyone been in this situation ? submitted by /u/Empty_End1422 [link] [comments]”

“You had 3 hard inquiries in last 24 months or is it updated to 5 after you applied for those two cards? Its hard to say when you can apply again because every issuer have their own set of rules for approval or denial in terms of hard inquiries for example chase really focuses on hard inquiries while others are less picky . The second one you applied with updated technology knew you just applied for your first one, they update scores, recent activities to most recent. welcome to AI.”

“Brand new to credit cards here so not really sure what I’m doing. Signed up for my first credit card last week. Heard back yesterday that my application was denied for “insufficient credit information.” What does that even mean? This morning I got a promo letter from Capital One for one of their credit cards. Scanned the QR code, filled in my application, and got an answer in seconds saying it was denied due to “too many recent inquires.” Also noticed that my credit score lowered after that. Wha”

“Hey all, I applied for a Sapphire card over a month ago with a 100k points sign up bonus. To preface, I have a Freedom Unlimited and a Checking account with Chase already. Chase responded to my application asking for better ID photos, which I provided. I was then told it was back under review and to wait 7-10 days. I had followed up and could only get automated responses stating the continued 7-10 days. Fast forward to a few days ago where they denied my application (apparently for the same issu”

“I was around 750 when I got approved but it was my first credit card app in years”

“Agree with you, but I really need this card. I don't know which card to use for my monthly expenses and rent. My CSR have reached 75k. The amex platinum I couldn't get an offer with 175k. The BOA summit did not have pre-approval. However, the others all had it.”

“I was trying to apply for the Citi Strata Premier card but every time I try to apply, it won't get out of the pre-approval application. I've tried clearing my cache, switching search engines, incognito mode, etc. and it still only does a pre-approval app. Is anyone else having this issue? Are you not able to apply for a credit card without a pre-approval from Citi? submitted by /u/scientific_concept [link] [comments]”

“I think Chase hates me specifically, I’ve maxed out the card for 4 months in a row and they will not give me a higher limit to save my life, I got a targeted offer in the mail with a code and was still denied”

“Hey all. I was recently denied for the Bilt Palladium card which I was really hoping to get along with the Rakuten Card to complete my setup. The reasons for denial were: Too high proportion of accounts recently opened Not enough balance paid down over time on real estate secured loans Oldest real estate secured loan was opened too recently Number of inquiries were a factor in determining the score Some context: I bought a house in May. I previous applied for the Bilt Paladium in May, but got de”

“I’m currently pre-approved for the CFU/CFF which is the card I want to apply for. my oldest card is 10 months old and I’ve been banking with Chase for well over a decade. I’m considering applying early for the card. Will they automatically decline me due to think credit profile? submitted by /u/SaintStage [link] [comments]”