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Are cards ever approved on Sundays

Established Contributor

Are cards ever approved on Sundays

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.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Message 1 of 10
9 REPLIES
Moderator Emerita

Re: Are cards ever approved on Sundays

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 your DB call tomorrow if they are closed today.
Message 2 of 10
Frequent Contributor

Re: Are cards ever approved on Sundays

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!



AMEX PRG NPSL, FIDELITY REWARDS 50K, CHASE SAPPHIRE RESERVE 27K, AMEX DELTA SKYMIES GOLD 25K, CITI DIAMOND PREFERRED 22K, CHASE FREEDOM 20K, CITI DOUBLE CASH 15.5K, BARCLAYCARD REWARDS MASTERCARD 15K, CHASE MARRIOTT PREMIER 5K, CAPITAL ONE SONY CARD 5.75K, CAPITAL ONE QUICKSILVER 3.5K, AMAZON STORECARD 6K, VICTORIAS SECRET 2650, EXPRESS NEXT 1850,Gardening2/17/17.
Message 3 of 10
Established Contributor

Re: Are cards ever approved on Sundays


09Lexie wrote:
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.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Message 4 of 10
Established Contributor

Re: Are cards ever approved on Sundays

Of course they are, it's just a credit check done by a computer. They don't get weekends off.
Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 5 of 10
Moderator Emerita

Re: Are cards ever approved on Sundays

Because I have a FA on my CR's I always get a pending further review message. Tbh, they have varied from 7-10, 30 -think that was Chase, or just pending further review with a reference number.
Message 6 of 10
Senior Contributor

Re: Are cards ever approved on Sundays


blondy250 wrote:
Of course they are, it's just a credit check done by a computer. They don't get weekends off.

+1

 

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.

Message 7 of 10
Mega Contributor

Re: Are cards ever approved on Sundays

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.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 10
Moderator

Re: Are cards ever approved on Sundays

90% of my approvals were on Sundays!  Unfortunately PenFed denied me today, which happens to be a Sunday Smiley Sad

Message 9 of 10
Senior Contributor

Re: Are cards ever approved on Sundays

Pretty sure I was approved by Barclay's on a Sunday.

Message 10 of 10