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Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
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Denied instantly, then approved?

[ Edited ]

Has anyone been denied initially, then approved a day later? told you are denied online, but automated message says that your application status is under review.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
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favre_2_free
Posts: 91
Registered: ‎01-12-2009
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Re: Denied instantly, then approved?

No, but I've been given the "We can't approve you instantly", and then gone straight to my email to find out I've been approved!

Amex Gold, Capital One VentureOne & Platium Cards, AAA BoA Signature Visa, Barclays Airtran & Frontier Airlines Cards, Paypal MC, Best Buy RewardZone Mastercard and Chase Speedway Mastercard....and I FINALLY Welcome to Discover...thank you and have a great day!!!!
EX: 667 (8/6 Amex App) - EQ 700 - TU 697
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
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Re: Denied instantly, then approved?

approved for????

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
New Contributor
favre_2_free
Posts: 91
Registered: ‎01-12-2009
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Re: Denied instantly, then approved?

It happened to me with AMEX in December....and most recently with a Capital One Auto Loan

Amex Gold, Capital One VentureOne & Platium Cards, AAA BoA Signature Visa, Barclays Airtran & Frontier Airlines Cards, Paypal MC, Best Buy RewardZone Mastercard and Chase Speedway Mastercard....and I FINALLY Welcome to Discover...thank you and have a great day!!!!
EX: 667 (8/6 Amex App) - EQ 700 - TU 697
Established Contributor
JayRizzo
Posts: 583
Registered: ‎10-17-2010
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Re: Denied instantly, then approved?

I think that's when approvals become boarderline and are reviewed by human eyes.

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
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Re: Denied instantly, then approved?

 


JayRizzo wrote:

I think that's when approvals become boarderline and are reviewed by human eyes.


+1

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
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Re: Denied instantly, then approved?


favre_2_free wrote:

It happened to me with AMEX in December....and most recently with a Capital One Auto Loan


did you go through the capital one site, and how long was it before they approved you? and when they did approve you, how did you find out?

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: Denied instantly, then approved?

...

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
New Contributor
favre_2_free
Posts: 91
Registered: ‎01-12-2009
0

Re: Denied instantly, then approved?


favre_2_free wrote:

It happened to me with AMEX in December....and most recently with a Capital One Auto Loan


did you go through the capital one site, and how long was it before they approved you? and when they did approve you, how did you find out?

 



I went right through the site, and it said they would contact me.  Well 30 seconds later an approval letter showed up in my inbox stating my check would be on the way and how much it was good for.  Apparently there is still a holdup somewhere though, because they tried calling me yesterday, but the good news is, I don't need it, it was my back-up plan. 

Amex Gold, Capital One VentureOne & Platium Cards, AAA BoA Signature Visa, Barclays Airtran & Frontier Airlines Cards, Paypal MC, Best Buy RewardZone Mastercard and Chase Speedway Mastercard....and I FINALLY Welcome to Discover...thank you and have a great day!!!!
EX: 667 (8/6 Amex App) - EQ 700 - TU 697
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: Denied instantly, then approved?

no, it wasn't like that for me. i was just simply denied online. but automated says is under review.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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