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Valued Member
JASON34GATORS
Posts: 34
Registered: ‎08-11-2011

Credit card

Has anyone been denied a credit card then the one you were trying to get comes in the mail?

Established Member
Incredulous
Posts: 27
Registered: ‎12-12-2013

Re: Credit card

I'm a bit confused. Did you get an invitation to apply or the actual card?

Valued Member
JASON34GATORS
Posts: 34
Registered: ‎08-11-2011

Re: Credit card

No just apply for a credit card and get denied and then the card came so  you werent denied that was ? i was asking

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Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Credit card

We have seen cases of that rare but yes it does happen

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Valued Member
JASON34GATORS
Posts: 34
Registered: ‎08-11-2011

Re: Credit card

Thank you

Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Credit card


myjourney wrote:

We have seen cases of that rare but yes it does happen


+1

 

Plus for the sake of clarity OP.  Did you get declined with a letter that mentioned the reasons for being declined or are you saying you applied and received a 7-10 message/unable to approve at this time (or something similar)?

Valued Member
JASON34GATORS
Posts: 34
Registered: ‎08-11-2011

Re: Credit card

Well I applied for us bank card I got letter saying I was denied because they couldn't pull my other 2 credit reports because they are frozen but then a couple days later the only one that wasn't frozen they pulled a hard

Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Credit card

Ok, that makes sense, but this can typically happen if the app was left as "pending" on a final CRA verification if others were frozen.  IMV, the letter doesn't seem like an ouright denial since an individual still has the opportunity to contact the lender and finish the processing by providing the code or an alternate CR to pull as requested.  So, in your case, it looks like it all worked out either way.

Valued Member
JASON34GATORS
Posts: 34
Registered: ‎08-11-2011

Re: Credit card

Good well see thank you

Valued Contributor
jamesdwi
Posts: 1,435
Registered: ‎09-16-2011

Re: Credit card

I have applied, got the 7-10 day message, called and found out I was denied, and asked them to recon, and got a denied letter in the mail and then the actual card in the mail when my recon was approved.

 

 

 

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