11-08-2009 07:57 PM
11-08-2009 08:02 PM
So i applied for a Visa through my bank on their website and i got the 7-10 message does that usually mean i was declined? Or have people been approved after the 7-10 period?
Welcome to the forum. As creditwherecreditisdue always says...recon. A 7-10 days message doesn't mean decline. There may be a few things the computer picked that needs a closer look.
11-08-2009 08:15 PM - edited 11-08-2009 08:15 PM
Should i wait the 7-10 days for the letter before calling? Not sure why i wouldnt be approved.
I have good credit 700+ last time i checked. I already have a Discover More card with a 9500 CL, AmEx Gold and Chase Freedom with 5000 CL. Only balance i have is is on the Discover for 300 that will be PIF when the statement drops. No lates and no baddies.
11-09-2009 04:36 AM
11-09-2009 04:57 AM
11-09-2009 05:30 AM
Im sorry, its a Visa Platinum from Arvest Bank. I'll give them a call later today.
11-09-2009 08:01 AM
I received a 7-10 day response when I applied for both my Discover Motiva (recently changed to More) and Chase Slate (each of these apps were in the past month). I called immediately after receiving the 7-10 day response, and both times the rep said that there had been a decision on the application.
Both times were initially denied.
Both times I asked for a recon, gave additional information on why I wanted the card, explained old derogs (3+ years old) and
Both granted limits of $1500.
They were each concerned about the amount of recent inquiries....my excuse was that I had cards with other companies, and they just jacked my interest rates even after great usage and payment history - so I've shopped around for new CC lenders. Seemed to have worked.
Of course YMMV though
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