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Frequent Contributor
Posts: 386
Registered: ‎03-03-2013
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Applied for marvel MasterCard but not approved or declined?

On march 15 I applied for the marvel MasterCard but got the 7 to 10 day message. I thought for sure was declined however when I call in the rep tells me it's still under review and wait for the decision by mail. Never had one do this through sync bank. When I got my lowes card last year it gave 7 to 10 day message and it showed up on my experian credit report 3 days later. As of yesterday still not declined or approved. Anyone have any input on this? Thanks in advance.
Moderator
Posts: 14,310
Registered: ‎10-07-2014

Re: Applied for marvel MasterCard but not approved or declined?

[ Edited ]

undrtkr65 wrote:
On march 15 I applied for the marvel MasterCard but got the 7 to 10 day message. I thought for sure was declined however when I call in the rep tells me it's still under review and wait for the decision by mail. Never had one do this through sync bank. When I got my lowes card last year it gave 7 to 10 day message and it showed up on my experian credit report 3 days later. As of yesterday still not declined or approved. Anyone have any input on this? Thanks in advance.

It is not that uncommon.  Be patient and wait it out.  Remember that even with the same bank, there are different criteria used to determine whether an approval is given or not.  Also, some companies won't tell you over the phone that an application is denied, they prefer the letter route.  Either way, If you haven't heard anything in a week or haven't received a letter, give them another call.  Good luck

Established Contributor
Posts: 623
Registered: ‎06-27-2015

Re: Applied for marvel MasterCard but not approved or declined?

If they are sending you a letter, it might be verification. I've had this happen with Sam's Club.

Starting 11/14 EQ 498 EX 514 TU 507 | Current 4/10 EQ 651 EX 697 TU 692 | Util 11% | Personal Credit - $97,540 | Business Credit - $71,100
Frequent Contributor
Posts: 386
Registered: ‎03-03-2013

Re: Applied for marvel MasterCard but not approved or declined?

I'm hoping for a approval but my transunion score is only 667 so I might be right on the edge. However that's the highest it's been in over 8 yrs so I'm happy with that.
Senior Contributor
Posts: 8,150
Registered: ‎04-23-2016
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Re: Applied for marvel MasterCard but not approved or declined?

Good luck, yes sometimes a letter could mean just a verification thing. Hope you get itSmiley Happy
Valued Contributor
Posts: 2,068
Registered: ‎01-10-2016
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Re: Applied for marvel MasterCard but not approved or declined?

I always used to call and ask the status... every time they transferred me to verification it was always approved.. wait it out, or call Smiley Happy can't hurt with Sync
Valued Contributor
Posts: 1,775
Registered: ‎11-20-2016
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Re: Applied for marvel MasterCard but not approved or declined?

Call. Synch is easy to talk to and they never get too invasive and interrogate you. Should be a painless call.
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
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Valued Contributor
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Registered: ‎02-11-2016
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Re: Applied for marvel MasterCard but not approved or declined?

Call. Agree that it could just be verification.



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Frequent Contributor
Posts: 386
Registered: ‎03-03-2013
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Re: Applied for marvel MasterCard but not approved or declined?

I called back in today and it was denied. I wonder why they didn't instantly deny it.

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