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Regular Contributor
Posts: 123
Registered: ‎02-05-2009
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7 to 10 day period?

I just applied for a citi forward card. I got the 7 to 10 day waiting message. Should I assume that I will be declined?

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Current Score: TU 764 EQ 721 EX 768
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Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
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Re: 7 to 10 day period?

Assuming is never a good thing to do. 

 

People have been approved with the 7-10 day and others have been denied with the 7-10 day notice. Check your application status online if you can, if not call in and check your application status. 

 

 

Good Luck

Good Luck
May all your dreams and wishes become a reality!
Regular Contributor
Posts: 123
Registered: ‎02-05-2009
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Re: 7 to 10 day period?

Thanks. I'll do that and post what they tell me

Starting Score: 500
Current Score: TU 764 EQ 721 EX 768
Goal Score: 800

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Regular Contributor
Posts: 123
Registered: ‎02-05-2009
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Re: 7 to 10 day period?

[ Edited ]

It was declined, due to one baddie on my EQ:smileysad: UGH!!! I feel like I am going to be stuck with these rebuilder cards forever. This is so frustrating. I have to keep paying af's even after my reports have come so far.

Starting Score: 500
Current Score: TU 764 EQ 721 EX 768
Goal Score: 800

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Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
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Re: 7 to 10 day period?

It depends on how old the baddie is, and how derogatory the baddie is.
EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Regular Contributor
Posts: 123
Registered: ‎02-05-2009
0

Re: 7 to 10 day period?

It's from 2004. It should come off next year in june.

Starting Score: 500
Current Score: TU 764 EQ 721 EX 768
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Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
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Re: 7 to 10 day period?

Sorry you were denied.

 

 

What CC's do you have now? 

 

Secured or unsecured?

 

CL on the cards?

 

UTIL on the cards?

 

Date opened the cards?

 

INQ's on reports in last 12 months?

 

What negatives are reporting?

 

 

Good Luck
May all your dreams and wishes become a reality!
Regular Contributor
Posts: 123
Registered: ‎02-05-2009
0

Re: 7 to 10 day period?

Well right now I have:

 

Orchard mastercard     0$/1600 opened in 2005

Orchard visacard           (showing $340/1500) but it has been paid in full, waiting for it to update. Opened in 2007

Macy's charge card        $0 opened in 2000

Amex zync                        $0 opened in march of 2010

Capital one                      $16/ 1050( paid, waiting for it to update) opened 2007

 

3 Inquiries- two that will be a yr in dec, and the other one in march

1 Negative- Capital 1( and old account. One 30day from june 2004)

Starting Score: 500
Current Score: TU 764 EQ 721 EX 768
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Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
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Re: 7 to 10 day period?

IMO your credit profile does not look bad at all. 

 

One 30 day late 6 years ago I wouldn't think would have such a negative impact under manual review.

 

Did you just check your application status when you called or did you attempt a recon also? (Recon will get a manual review, instead of computer generated)

 

Is the late showing on all 3 CR's or just EQ?

Good Luck
May all your dreams and wishes become a reality!
Regular Contributor
Posts: 123
Registered: ‎02-05-2009
0

Re: 7 to 10 day period?

I just checked the status. The number listed in the backdoor thread didn't say recon. Do I just call and say I would like a recon? It is showing on all three, but she said they pulled EQ

Starting Score: 500
Current Score: TU 764 EQ 721 EX 768
Goal Score: 800

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