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Established Contributor
Posts: 530
Registered: ‎08-15-2015

Re: Commerce Bank

Ok that's special connections visa I had about 30+ Inqs low utilization and high TU Fico. I got instant approval u may need to call them may just be verification.
Frequent Contributor
Posts: 286
Registered: ‎10-29-2016
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Re: Commerce Bank


bigpoppa09 wrote:
Ok that's special connections visa I had about 30+ Inqs low utilization and high TU Fico. I got instant approval u may need to call them may just be verification.

I got the 10-14 day message and they didn't pull my credit until the next day so that's why i'm thinking it wasn't a denial because I didn't get the typical 7-10 day message....I will give them a few hours and see if they need anything. thanks for Your help.

Established Contributor
Posts: 530
Registered: ‎08-15-2015

Re: Commerce Bank

No problem good luck
Frequent Contributor
Posts: 286
Registered: ‎10-29-2016
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Re: Commerce Bank

[ Edited ]

I called them and the told me they are still processing the application. I spoke with my friend who applied for the same card 6 months ago and he told me it took 2 weeks to get an approval letter. he said when he called the underwriter told him that most applications are manually reviewed unless you have a pre-qualify res number. it took 3 weeks for him to recieve his card and they actually reported the account a week before he got his card. I still have hope and would be very suprised if they denied me.

Super Contributor
Posts: 14,066
Registered: ‎01-04-2014
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Re: Commerce Bank


bigpoppa09 wrote:

I kept getting prequals from them the last couple of months today this one had a nice APR of 12.99 after 18 months 0% on purchases and BT i apped Instant approval for 11K the max on the prequal i got said 15K was there max. Data points they pulled TU Fico08 771 34 Inqs 7% Util  if anyone is interested in the card there prequals are solid.


Congratulations!

 

Prequals are almost always pretty solid and that offer particularly looks like a really nice one all the way around.

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Frequent Contributor
Posts: 286
Registered: ‎10-29-2016
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Re: Commerce Bank


bigpoppa09 wrote:
No problem good luck

caled them and they told me the account was approved would get card in 7-14 days....hoping for a big SL! wouldn't give me the CL for some reason....

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