Hello, first and foremost thank you for taking your time out of your day to read this and give suggestions.
– On December 17th 2016 I applied for a Gold Delta Skymiles credit card. I instantly got the 7-10 days message. I waited until December 29th to give them a call to see whats going on, and they stated they were in the last days of processing my application to give it 3-5 more days. So, I called them today (January 10th 2017) and was informed my application was declined. I was shocked truthfully because of my credit profile. Currently I have scores in the range of 730 from all the credit beaures. No new credit cards open in the last two years, did have a few inquiries on my report due to a car loan in the amount of 27k. My annual income is 65k, and I do have a few credit cards. One Chase Freedom in the amount of 7k, Amazon store card 4.1k and a Capitol One card with a limit of 3k. I have no missed payments or anything negative on my credit report and I never use more than 15% of my TOTAL credit limit. I asked for a reconsideration and within a couple of hours it came back declined, again. They stated the reason was “Lack of credit history” Though, I’ve opened all three of my credit cards I believe in 2013 or 2014. I was just curious if anyone has any other reasons why I would be declined and suggestions on how to build my credit so I have a good opportuinity of approval next time. Thank you very much.