Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 545
Registered: ‎03-20-2009
0

Re: 7-10 message on secured credit card app

Low and behold they do have a backdoor #.  After waiting almost 15 minutes all the underwriter could tell me was it was processing and that they have a hold time of up to 6 days on the funds being transferred which makes the secured cards take a little longer.  I mentioned my conern about possibly not being approve even though it was a secured card and she did state that there were a couple reasons that would cause a secured card to be denied (she didn't mention what they were), but that she didn't see anything on my account.  I did check Equifax and they HP me today.  So I guess I'm just waiting (not very patiently) right now.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)



Valued Contributor
Posts: 1,241
Registered: ‎07-18-2009
0

Re: 7-10 message on secured credit card app

Patience, grasshopper.

 

I know, it's hard.  Smiley Happy


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Highlighted
Established Contributor
Posts: 545
Registered: ‎03-20-2009
0

Re: 7-10 message on secured credit card app

[ Edited ]

Apparently, I've been approved.  The money went from pending to being taken out of my checking account last week.  Called to confirm today and they said they are just waiting on the card to be made and then I will receive it. 

 

So I guess I'm gardening for awhile with my 2 new secured credit cards and then will see where I should go from there.  My USAA AmEx is the one I'm using for various purchases and occasionally leaving a small balance.  My StellarOne Visa will be used for stuff I PIF each month like newspaper subscription, netflix, etc 

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)



Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.