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hello,

After not being able to get a regular credit card, I tried Applied bank credit card online and was denied. Has anyone been denied from them before and if so why? Thank you
confused and sad
what now?




was there any problem with them getting the deposit.that is the only way i see them denying you.my credit is really bad and i got one.try new millenium bank.there site says approval guaranteed.

Sub: #1 posted on Thu, 01/29/2009 - 14:27

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

You are better off without having an Applied Credit Card. Trust me, I have one and the fees and interest rate is through the roof.

Sub: #2 posted on Fri, 02/20/2009 - 09:42

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really?i have had mine for 8 months.pay it on time and pay 9%.the only fee i paid is the 50.00 annual fee.

Sub: #3 posted on Fri, 02/20/2009 - 10:14

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

so, any other alternative to build credit?

Sub: #4 posted on Fri, 02/20/2009 - 14:32

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again,try new millenium bank.they are a secured card that guarantees approval.

Sub: #5 posted on Fri, 02/20/2009 - 18:09

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

Yes first try a secured card with a deposit from you and see how that goes. I first started my credit at a jewelery place called danielsjewelers.com they guarantee approval with a little money down on most purchases. Please check this place out and tell me what happens. Thanks.

Sub: #6 posted on Mon, 02/23/2009 - 13:16

m.snover92571 m.snover92571

(Posts: 76 | Credits: )

crownjewelers.com will also give you a $1500 - 2500 credit limit with no credit check. They report to TU and EX only. They too also require a small downpayment. Buy something cheap and PIF the next month. You'll need to do this at least once a year or they will close your account.

Sub: #7 posted on Tue, 02/24/2009 - 12:48

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4671 | Credits: )

danielsjewelers
Daniel's Credit is open to California residents only.
i applied on crownjewelers
we'll see...
thx:)

Sub: #8 posted on Tue, 02/24/2009 - 19:32

Unregistered


Don't worry about it. That Applied Bank card is okay for what it is...but is not the best one. I rate it a C because it does not come with any grace period on purchases, even though the interest rate is reasonable for a secured card at 9.99% at least when I looked at it. Try Orchard Bank Secured (I have this one...very reasonable...best of the secured and you can apply and get a decision online instead of mailing in a money order) or U.S. Bank Secured (will have to mail in) or Elan Financial Bank Secured. BofA and Wells Fargo have secured, but they have a lower approval rate and are picky. I was turned down for a BofA secured card with a credit score of 620. Can you believe it? You could also try Total Visa by Plains Commerce Bank (it has a lot of fees though) or a crappy 1st Premier product, but again they sometimes want fair credit. Each one has their own rules.

Sub: #9 posted on Wed, 02/25/2009 - 19:53

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let me see if I have this correct.

Crownjewelers.com calls and verifies your employment & non resident relative, gives you an initial credit line, you first purchases require a small down + s&H, they report you to the bureaus, and in about 6 months they give a line thats good for 0 down based upon your payment history?

Sub: #10 posted on Wed, 02/25/2009 - 21:32

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