# Credit - how to get denied a card

**URL:** <https://discourse.thelastforum.com/t/credit-how-to-get-denied-a-card/44774>\
**Category:** Money\
**Created:** [June 7, 2022, 12:09am UTC](https://discourse.thelastforum.com/t/credit-how-to-get-denied-a-card/44774 "2022-06-07T00:09:07Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![tszefr](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/tszefr/32/5384_2.png) [@tszefr](https://discourse.thelastforum.com/u/tszefr)\
**Post date:** [June 7, 2022, 12:09am UTC](https://discourse.thelastforum.com/t/credit-how-to-get-denied-a-card/44774/1 "2022-06-07T00:09:08Z")

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While back I posted about woes trying to get credit card that provides a nice incentive to spend money after you open it. For example, $200 to you after you spend 500 or a kilobuck etc. The quest netted some “screw you” letters and some dinky cards, along with the necessary inquires.

Today I think I understand the excuse… It is not:

- Score (over 800)
- On time payments (always)
- Length of credit history (decades)
- Amount owed vs credit limit (2%)

Instead, the excuse is “Too may recent bank cards opened!” That would be the stupid Capital One cards each well under $1000 credit limit. So what is too much?

In this case, 3 opened in 2021 and one in 2022.

Does anyone have a sense of how long to let it steep? I am thinking a full year…

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**Author:** ![smartpolitics](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/smartpolitics/32/10597_2.png) [@smartpolitics](https://discourse.thelastforum.com/u/smartpolitics)\
**Post date:** [June 7, 2022, 12:37am UTC](https://discourse.thelastforum.com/t/credit-how-to-get-denied-a-card/44774/2 "2022-06-07T00:37:06Z")

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With capital one it could be two years and two installment loans 😛

Even with 800 credit score i kept getting denied till I consolidated my debt into a personal loan and got a mortgage. The most I got was $500 10 years ago then after the mortgage got an $8k card

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**Author:** ![tszefr](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/tszefr/32/5384_2.png) [@tszefr](https://discourse.thelastforum.com/u/tszefr)\
**Post date:** [June 7, 2022, 3:18am UTC](https://discourse.thelastforum.com/t/credit-how-to-get-denied-a-card/44774/3 "2022-06-07T03:18:32Z")

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> [@smartpolitics](#):
>
> Even with 800 credit score i kept getting denied till I consolidated my debt into a personal loan and got a mortgage. The most I got was $500 10 years ago then after the mortgage got an $8k card

Hmmmph. I have seen this “lack of mortgage info” in the past. Then when I moved a few years ago it seemed reasonable to take one out, yet on credit bureau reports it showed up as a personal loan. Unknown why.

Then I got an Alaska bride and she subscribes to Ramsey line of thought and wanted no debt so that was done and I cannot see taking out another mortgage. Guess I will just ignore any and all credit offers for a solid year.