Best Denial Letter

[chadwick]

Lookie what I got from Discover today...

[09Lexie]

There's still hope!

[mikey78]

how can is it unapproved when it's still under processing?? LOL

Maybe it's one of those let's send them a Letter for denial but keep it under processing so the guy can call in and we'll look good for recon approvals

[longtimelurker]

Is it possible you applied twice by mistake.  Seen this before with another issuer.  Basically this could be denying the duplicate app, of which one is still in progress.

[Irisa]

---

@longtimelurker wrote:

Is it possible you applied twice by mistake.  Seen this before with another issuer.  Basically this could be denying the duplicate app, of which one is still in progress.

---

+1 

Same thing happened to me with Discover. I thought my first app hadn't gone through so I applied again. I got the same letter as OP for the duplicate. I was approved for the card with the first app they received.

[WEShinego]

This happened to me with NFCU. Applied, was declined, then received my card a week later. Apparently I submitted the application twice.

[FinStar]

---

@longtimelurker wrote:

Is it possible you applied twice by mistake.  Seen this before with another issuer.  Basically this could be denying the duplicate app, of which one is still in progress.

---

+1

A few folks posted something similar not long ago when duplicate apps were detected.  Classic at best!

[longtimelurker]

---

@Irisa wrote:

---

@longtimelurker wrote:

Is it possible you applied twice by mistake.  Seen this before with another issuer.  Basically this could be denying the duplicate app, of which one is still in progress.

---

+1 

Same thing happened to me with Discover. I thought my first app hadn't gone through so I applied again. I got the same letter as OP for the duplicate. I was approved for the card with the first app they received.

---

Once you know what happened, you can sort of understand why someone might have thought this was a clear descriptive message of the issue.  But it's useless if you don't!

[RushXTC]

They might call you to ask what you wanted the card for, I never got this letter, But they did call me to ask what the purpose was, Which is when I was told I got approved.

[azguy13]

Thats a funny reason for denial, lol. I agree, just call and ask