Got denied for a credit card I was sure I'd qualify for

I was sitting at my kitchen table applying for a store card to get 15% off a new washing machine. The rejection email came in 30 seconds flat and I sat there staring at my 712 credit score wondering what I missed. Has anyone else had a thin file mess up what seemed like a sure thing?

3 comments

3 Comments

luna_wright1mo ago

Isn't that when you find out your credit history is basically a Post-it note?

knight.dylan1mo ago

Right?! Mine went from "honor student" to "forgotten library book level bad" in one identity theft.

ellioth371mo ago

Honor student to forgotten library book" that got me good because that's exactly how it feels. I had a 720 and still got rejected for a Target card once, it made zero sense until I realized my credit history was like six months old at that point. The whole system is weird because you need credit to get credit but nobody tells you that before you start applying. I waited a year and a half with a secured card before I tried again and it worked out but man that initial rejection stung.