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Applied for marvel MasterCard but not approved or declined?

Frequent Contributor

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.
Message 1 of 9
8 REPLIES
Moderator

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


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

Message 2 of 9
Established Contributor

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
Message 3 of 9
Frequent Contributor

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.
Message 4 of 9
Super Contributor

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
Message 5 of 9
Valued Contributor

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
Message 6 of 9
Valued Contributor

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 (Dec) EQ= 774 (Dec) EX= 756 (Dec) Favorites: Discover It, Discover Miles, And U.S. Bank Cash+
Message 7 of 9
Valued Contributor

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

Call. Agree that it could just be verification.

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 8 of 9
Frequent Contributor

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.
Message 9 of 9