Reply
Contributor
Posts: 110
Registered: ‎08-11-2011
0

Credit card

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

Established Member
Posts: 34
Registered: ‎12-12-2013
0

Re: Credit card

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

Contributor
Posts: 110
Registered: ‎08-11-2011
0

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

Community Leader
Senior Contributor
Posts: 27,115
Registered: ‎02-07-2013
0

Re: Credit card

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

+ Chase ink =




Contributor
Posts: 110
Registered: ‎08-11-2011
0

Re: Credit card

Thank you

Valued Contributor
Posts: 8,500
Registered: ‎10-21-2012
0

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)?

Contributor
Posts: 110
Registered: ‎08-11-2011
0

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
Posts: 8,500
Registered: ‎10-21-2012
0

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.

Contributor
Posts: 110
Registered: ‎08-11-2011
0

Re: Credit card

Good well see thank you

Valued Contributor
Posts: 2,224
Registered: ‎09-16-2011
0

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.

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.