Here is my sample letter. Feel free to modify it as you like. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. I would also recommend requesting a minimum credit line to prove your worthiness.
Your denial came as a surprise to me for the following reasons:
I am gainfully employed earning $xxx per year with no long term debt. ( or list the minimum debt you have)
Have had credit cards for xxx years and have NEVER BEEN LATE with a payment
My current credit score is XXX as I checked it myself and that is in the GOOD range.
I am requesting your reconsideration for your minimum line of credit to prove to you my credit worthiness.
I look forward to receiving your card in the near future.
And snail mail it to the address on your denial letter. Once they see you know your stuff and mean business, you should be pleasantly surprised.
3000 Delta Miles and Free Membership from Emerald Club
Rene passed this offer on several days ago and I forgot to get it in right away. You get the first year membership free even if you do not rent a car to qualify for the bonus miles.
Photo Katybug and Mark Twain in Bermuda
Whenever I get big headed and think I know “oh so much”, Katybug brings me back to reality. Here, the special person in my life, is giving Mark an earful of wisdom. He may be more famous, but she rules the roost in most conversations. I love the Bug.
IHG® Rewards Club Select Credit Card
- Annual Fee: $49 fee waived for the first year
- Foreign Fees: No
- Card Type: Hotel
The IHG Rewards Club Visa is often cited as one of the most underrated hotel credit cards, with good reason. The official offer is for 70,000 points after $1,000 spent within three months, with the first year’s fee waived. The card comes with an annual free night certificate that can be used at any IHG property, including Intercontinental hotels - making this certificate worth upwards of 50,000 points. This is far more generous than some other hotel cards, which limit the categories in which free night certificates can be redeemed.
Cardholders earn 5 points per dollar at IHG hotels; 2 points per dollar at gas stations, grocery stores, and restaurants; 1 point per dollar everywhere else. Moreover, you’ll get a 10% rebate on award redemptions, up to 100,000 points per year. The card also comes with Platinum status, though that doesn’t get you much with IHG. Still, this is a fantastic card to have in your wallet, with benefits that far outweigh the already low $49 annual fee.
- Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
- Enjoy a free night of card membership at over 4,700 hotels worldwide
- Earn 5 points for each $1 spent at our hotels
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
- Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
- Automatic platinum elite status, as long as you remain a cardmember
- $0 introductory annual fee the first year, then $49