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I applied for the duck card about 6 days ago, today I received a letter stating my credit score of 692, they pulled Equifax. No indication of denial or approval though, curious...
I sort of wonder how much of a recon and of these 7-10 days have been. It seems like most of us seem to get 7-10 days and we havent seen anyone that was actually denied then had to recon in order to be approved.
Thats the same letter I got a few days before the card arrived. You should call. I bet it was approved.
Did you just call the main number or is there a specific number for application inquires?
Here goes a big denial that I should have seen coming:
I app'd for Duck card with stats:
EQ pulled 665
AAoA 3.4 years
Util 5%
3 paid CO (4.8 years old at time)
Reason for instant denial - charge offs
Reconn'd - same reason
I think most people have either been calling 800-365-1111 or 855-885-8472.
@bichonmom wrote:I'm hoping that they're lenient on util, which I haven't seen yet. It seems everyone who has been approved has had really low util. And one person said they needed to recon because of over 20% util on their CR. My util will be at around 22-25% after my CR updates this next week, so I am thinking about apping then. But if util is an issue, mine may be too high for them.
I really think they are fairly lenient on util. I'm pretty sure that poster said the topic came up on the verification call. I would be surprised if 25% is too high for them.
@12njoy wrote:Here goes a big denial that I should have seen coming:
I app'd for Duck card with stats:
EQ pulled 665
AAoA 3.4 years
Util 5%
3 paid CO (4.8 years old at time)
Reason for instant denial - charge offs
Reconn'd - same reason
Wow, sorry. Thanks for sharing this, it's going to help a lot of people who may be thinking about app'ing for it. How old are the charge-offs?
@12njoy wrote:Here goes a big denial that I should have seen coming:
I app'd for Duck card with stats:
EQ pulled 665
AAoA 3.4 years
Util 5%
3 paid CO (4.8 years old at time)
Reason for instant denial - charge offs
Reconn'd - same reason
THANK YOU... now I don't need to apply because you have some VERY nice cards and they still didn't like you!
@12njoy wrote:Here goes a big denial that I should have seen coming:
I app'd for Duck card with stats:
EQ pulled 665
AAoA 3.4 years
Util 5%
3 paid CO (4.8 years old at time)
Reason for instant denial - charge offs
Reconn'd - same reason
Sorry to see that you got denied. A bit surprised to see that with the other cards you have.