Have good credit scores 760' and above but can get CC

[Thomas_Thumb]

I suspect our OP could be a foriegn national. It's not unusual for PhDs.

[driver]

What kinds of credit you presently have:

1 cc -- discover IT

limits: 15k

balances: 944 dollars never tops more than 1800. 

loan amounts: student loan: 100k

car : 50k

cosigner on home loan: 600k but I'm not main owner needed additional income 

yearly: 82k ( residency) 

credit scores:

Fico 8 scores: 790/ 774/783

reporting info: myFICO 

[driver]

Hahaha! Thats funny 

[driver]

No I'm US citizen. 

[driver]

No why would they? I

[driver]

1. Are the scores you're talking about Fico scores or?

Yes based off this paid subscription I have myFICO this is my scores. See below 

Any derogatory items on your credit reports?

no I do not

How many cards have you applied for in the last 3 to 6 months?

amex: rejected ( February2024)

chase: rejected ( March 2024)

capital one: rejected (March 2024) Current employment status and income?

1. working full time as fellow  / 82k 

================

1 cc -- discover IT

limits: 15k

balances: 944 dollars never tops more than 1800. 

loan amounts: student loan: 100k

car : 50k

cosigner on home loan: 600k but I'm not main owner needed additional income 

yearly: 82k ( residency) 

credit scores:

Fico 8 scores: 790/ 774/783

reporting info: myFICO 

do have 2 credit unions checking/savings and 1 discover banking accounts 

[driver]

No rejection letter from no one yet. I will

follow up with AMEX for additional information. In the meantime awaiting chase and capital one

[FicoMike0]

I'd be looking hard at those rejection letters.  Meanwhile, stop applying.  Every application approved or not, brings at least one hard pull. Those hurt your score.  In additional, some banks are very sensitive to recent hard pulls.

[Slabenstein]

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@driver wrote:

What kinds of credit you presently have:

1 cc -- discover IT

limits: 15k

balances: 944 dollars never tops more than 1800. 

loan amounts: student loan: 100k

car : 50k

cosigner on home loan: 600k but I'm not main owner needed additional income 

yearly: 82k ( residency) 

credit scores:

Fico 8 scores: 790/ 774/783

reporting info: myFICO 

---

From this, it looks like you're probably being denied for DTI.  Making some modest assumptions about your rates and terms for the car and home loan, I get around 84% DTI.

[CYBERSAM]

@driver  Your FICO score is great and everything should be in order, the only thing that I would think of is lack of history reporting a CC. You mention Discover it, if that is under 12mo reporting than most likely the high end cards that you are going for need to see more history.

12 mo of positive payment history is very important, also some other banks like to see more than one CC in your profile.