Need more specifics, such as the card you applied for, your length of credit history, AAOA, and annual income. BMO is very forgiving with their entry level cards....their no fee Airmiles Mastercard was the 2nd unsecured credit card I obtained.mercenary69 wrote: ↑733 Equifax
No bankruptcy, no late payments, no maxed out accounts, 2 inquiries in the past 3 years
DENIED from BMO.
The only time in my life I was denied for a credit card was when I applied for an Amex card when I was just starting out about 10 years ago. My credit history was 2 years in length and that wasn't enough for them. I waited six months, applied for the no fee BMO Airmiles card (approved), waited another year, and then successfully applied for the Amex Platinum Airmiles credit card
Me:
EQ Score 772
No late payments
No debt
5 inquiries last 2 years
AAOA: 5 years