"Forget It!"
American DreamCard™ MasterCard® Review
Written by: cabana7 on 2008-10-28
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
cabana7's review: 
EX690 TU669 EQ606
Homeowner (paid perfectly)
Annual income 144k
Approved me for an Orchard account instead with a $300 limit and an annual fee of $59... Used the card a couple of times and then closed the account... Contacted HSBC to discuss and they said I had too much avail credit because I pay all my credit cards in full each month so I have 99% percent avail... Most ridiculous excuse I've heard so far
EX690 TU669 EQ606Homeowner (paid perfectly)
Annual income 144k
Approved me for an Orchard account instead with a $300 limit and an annual fee of $59... Used the card a couple of times and then closed the account... Contacted HSBC to discuss and they said I had too much avail credit because I pay all my credit cards in full each month so I have 99% percent avail... Most ridiculous excuse I've heard so far
6 Comments
Comment 2 by mousepad
Odd 
on 2008-10-28
Can I ask where are you getting your scores from
i was able to get half of the cards you app for and I had a fresh 120day late on my report at the time.
your scores may be right
try myFICO.com they will have your real scores.
but you did get a hooters card and they wont touch me at all
lucky you.
on 2008-10-28 Can I ask where are you getting your scores from i was able to get half of the cards you app for and I had a fresh 120day late on my report at the time.
your scores may be right
try myFICO.com they will have your real scores.
but you did get a hooters card and they wont touch me at all
lucky you.
Comment 3 by sethatco
Quit While You Are Ahead on 2008-10-28
You are applying for too much credit which is not smart right now. Try and understand that the banks are not even lending money to each other let alone most people with any kind of negative credit. You will need to stop applying for new accounts. Work on payment history and wait for the credit market to rebound. A friendly reminder all those inquiries stay on your report for 2 years.
on 2008-10-28 You are applying for too much credit which is not smart right now. Try and understand that the banks are not even lending money to each other let alone most people with any kind of negative credit. You will need to stop applying for new accounts. Work on payment history and wait for the credit market to rebound. A friendly reminder all those inquiries stay on your report for 2 years.
Comment 4 by meya
Hello! on 2008-10-28
I would not be applying for sub primed cards anyway if I was casabana7. That is true, I would stop right now because you might start seeing your other creditors giving you a credit limit decrease because you are applying for too much credit. That is the Hot Topic on the threads now.
on 2008-10-28 I would not be applying for sub primed cards anyway if I was casabana7. That is true, I would stop right now because you might start seeing your other creditors giving you a credit limit decrease because you are applying for too much credit. That is the Hot Topic on the threads now.
Comment 5 by cabana7
Scores Went Up on 2008-11-09
EX704 EQ689 TU669 got my score from My Fico... Gonna stay with Bank of America and Chase they have good customer service
on 2008-11-09 EX704 EQ689 TU669 got my score from My Fico... Gonna stay with Bank of America and Chase they have good customer service
Comment 6 by meya
RE: Cabana7 on 2008-11-09
Glad to hear that your scores went up, here is a nice link for you to add that to:
http://www.financeglobe.com/FN/showthread.php?363&highlight=Scores
This is where everyone talks about their credit scores. Again, congrats!
on 2008-11-09 Glad to hear that your scores went up, here is a nice link for you to add that to:http://www.financeglobe.com/FN/showthread.php?363&highlight=Scores
This is where everyone talks about their credit scores. Again, congrats!
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Disclaimer: This content is not provided by Other. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Other. Review content is powered by Finance Globe.
