10-27-2013 12:01 PM
My brother applied for a BofA card and was given the 30 day message. I know that's usualy doom and gloom (though in my experience I've only ever gotten the 7-10 day message.) Anyway, I was wondering after talking to him if it simply happened because It was a Sunday. I know most recon places are closed on Sundays, but not sure if that was relevant. I konw nothing about BofA or the 30 day message so I can't provide much guidance, but was just curious about the weekend thing.
10-27-2013 12:05 PM - edited 10-27-2013 12:31 PM
10-27-2013 12:14 PM
Thats a great question.... I've often pondered it myself as I have only ever been given the wretched 7-10day message on a Sunday. As a rule I won't app again on a Sunday, soley because waiting another day for recon or verifification can be quite painful. Good luck to DB!
10-27-2013 12:15 PM
Yes, cc's are approved on Sundays, holidays after hours etc. the 30 day message can be a verification check or requires further processing. Have you DB called tomorrow if they are closed today.
Gotcha...thanks for the info!
In your experience, is the 30-day message any different than the 7-10 message? Or do different banks just do different things and the days are arbitrary. I know when I got my first Chase and Citi card, I had to recon with both after getting the 7-10 message.
10-27-2013 12:21 PM
10-27-2013 12:30 PM
Of course they are, it's just a credit check done by a computer. They don't get weekends off.
Exactly. The "conveyor belt" of credit applications is a 24/7 process unless the system is unavailable due to system maintenance or you're dealing with a smaller community bank or certain CUs in which case the application is simply in queue for manual review on the next business day.
10-27-2013 12:31 PM
The only 30 days I ever got was Chase. They were kind enough to do a hard pull. That was before denying because I'm black listed.
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