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.
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.
Im sorry, its a Visa Platinum from Arvest Bank. I'll give them a call later today.
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