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Application pending?

Frequent Contributor

Application pending?

I just got an e-mail back from First Bank Card. There is a place to check the status of an application. I did that and it says it's "pending" not shot down just "pending" so can I assume that this is good or bad?

Message 1 of 11
10 REPLIES
Moderator Emeritus

Re: Application pending?


obageegee wrote:

I just got an e-mail back from First Bank Card. There is a place to check the status of an application. I did that and it says it's "pending" not shot down just "pending" so can I assume that this is good or bad?


At this point, you aren't automatically denied.  I would take that as a good sign Smiley Happy

 

Good luck man!


Starting Score: 08/29/2011 TU 671 EQ 674
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Message 2 of 11
Frequent Contributor

Re: Application pending?

Probably pending a manual review and/or verification.  They did that to me.  They sent me a letter asking for my DL and paystub.  I threw it away.  Wasted a HP Smiley Sad


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
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Homeowner since 05/29/13
Message 3 of 11
Frequent Contributor

Re: Application pending?

DL? don't see that on the abbreviations list :-(

 

Message 4 of 11
Valued Member

Re: Application pending?


obageegee wrote:

DL? don't see that on the abbreviations list :-(

 


Driver's License

Message 5 of 11
Frequent Contributor

Re: Application pending?

Thanks Webhopper!

Message 6 of 11
Moderator Emeritus

Re: Application pending?


Omaplatypus wrote:

Probably pending a manual review and/or verification.  They did that to me.  They sent me a letter asking for my DL and paystub.  I threw it away.  Wasted a HP Smiley Sad


Ummm sounds like you were approved, why didn't you send them the requested information?

They just wanted to verify identity and / or employment...  don't see why this had to result in a wasted HP, its just due diligence.....   If you still want the card, call them and ask if you can fax them the info.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 7 of 11
Frequent Contributor

Re: Application pending?

Yeah, I didn't want it after the fact.  Shouldn't have apped for it.  I wasn't as savvy a few months ago.  Had the same thing happen with Discover.  They kept calling me and I straight up told them to stop calling and I'm not interested anymore.  Didn't realize until I started with this forum that all they wanted was verification.  Oh well.  Lesson learned. 


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 8 of 11
Moderator Emeritus

Re: Application pending?


Omaplatypus wrote:

Yeah, I didn't want it after the fact.  Shouldn't have apped for it.  I wasn't as savvy a few months ago.  Had the same thing happen with Discover.  They kept calling me and I straight up told them to stop calling and I'm not interested anymore.  Didn't realize until I started with this forum that all they wanted was verification.  Oh well.  Lesson learned. 


That's too bad, Discover is a good company to do business with.  At least they attempted to follow up instead of straight up declining and not caring


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 9 of 11
Valued Member

Re: Application pending?

I have applied for 6 CCs recently. Four out of six said that it was pending review and I had to call. They usually just wanted to verify information like address, employment, etc. It seems to be common practice and not indicative at all of them turning you down.

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Message 10 of 11