Apping online or by phone

[too-much-time]

I seem to recall that it may make a difference whether your credit card application takes place online or by phone. Something about credit limit, hard inquiries or income specification. What's your take on it?

[Anonymous]

No. It doesn't.

[jsucool76]

The difference would be that on the phone, sometimes if you get pending you can ask them to transfer you to the underwriting dept. That's about it. XD

[MT936]

no difference but if you were to get a 7-10 message or declined, they could transfer you over to credit analysts for recon

[NRB525]

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@too-much-time wrote:

I seem to recall that it may make a difference whether your credit card application takes place online or by phone. Something about credit limit, hard inquiries or income specification. What's your take on it?

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I doubt it makes a difference on HP, or the resulting credit decision, but sometimes with websites I can't figure out, where they have multiple products available, or there is some complication in the way I'm asking for the credit, a phone call and conversation makes it easier to specify what I'm looking for. Otherwise, I'm dependent on the available pull-down menus that may not be what I'm trying to convey.

[BlueRenew]

The one time I apped on the phone with Discover they pulled 2 CR(Equifax/Experian).

When I apped online they just pulled 1(Equifax).

I am unsure if it was because I was bordaline when I called,or if that is usually the procedure. 

[Ghoshida]

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@too-much-time wrote:

I seem to recall that it may make a difference whether your credit card application takes place online or by phone. Something about credit limit, hard inquiries or income specification. What's your take on it?

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The only time I apped over phone was for Cash+ because you can't do it online.

The terms and conditions section takes longer if you're over phone because the rep needs to go over it.

Also, the initial wait over phone ... 

But yes, she immediately gave me the contact detail to their UW department because my app went for a 7-day verification process. Also, she told me that the system was "recommending" approval. I guess you generally don't get these responses online.

[too-much-time]

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@BlueRenew wrote:

The one time I apped on the phone with Discover they pulled 2 CR(Equifax/Experian).

When I apped online they just pulled 1(Equifax).

I am unsure if it was because I was bordaline when I called,or if that is usually the procedure. 

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My sentiment exactly. I sense that my quota at Chase is nearly used up, so both multiple inquirires and a low credit limit would not be the present under the tree that I had in mind!

[B335is]

Well it matters if you're applying for Cash+

[ramblinggirl]

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@Ghoshida wrote:

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@too-much-time wrote:

I seem to recall that it may make a difference whether your credit card application takes place online or by phone. Something about credit limit, hard inquiries or income specification. What's your take on it?

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The only time I apped over phone was for Cash+ because you can't do it online.

The terms and conditions section takes longer if you're over phone because the rep needs to go over it.

Also, the initial wait over phone ... 

But yes, she immediately gave me the contact detail to their UW department because my app went for a 7-day verification process. Also, she told me that the system was "recommending" approval. I guess you generally don't get these responses online.

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Never will I do an application over the phone. The rep read me the T & C-took about 15min. I napped during this part of application process.