Friday, April 30, 2010


So much for my improved credit rating. Apparently Wells Fargo thinks I shouldn't have a credit card.

The form letter I received in the mail today says that the reason I was denied the card was because there's a bankruptcy in my credit history. Apparently my actual credit rating means nothing, nor does my personal history with Wells Fargo Bank. Never mind the fact that I have a savings and checking account through them, with direct deposit from my regular, full-time job.

Nope. I made some mistakes in my past and filed bankruptcy. That's enough.

This worries me. I'm afraid I'm never going to be able to get a loan for anything ever. And I'm afraid the only credit card they'll be willing to give me is a Capital One card with a $250 limit and 30% interest rate.

This new development is not helping my general mood lately. I've been struggling with motivation all over the place, and I've just been overall feeling down. It's not cool. The only thing I want to do in my leisure time these days is watch sappy movies. Oh, and plan my trip to Vegas. Not sure what's going to happen with that now that I can't get a credit card, though. I guess I'll just have to stash away more money.

At least I don't have to go to work tomorrow.

1 comment:

  1. I got a Household Bank card and a Capital One card shortly after I got out of bankruptcy. They have shitty APRs, but I was able to re-build my credit. And then I was able to buy a house! My Capital One card started with I think a $500 limit and now it is $6000 (which, honestly, is just dangerous).

    Things WILL get better for you, hon.