Frequent Contributor
Posts: 334
Registered: ‎02-02-2010

Ever get approved, when app was thought to be denied?

I went on a mini app spree when I app'd for my CSP last week, applied for a amex and a citi card after the chase app. Amex gave me a wait notice and Citi gave a more info needed notice. I figured they were denials, and since I was approved for the chase card I didn't worry about them. I have no major purchases planned this year, and my inq count is now 4 for the last 10 months.


Got a call from citi yesterday, they wanted to verify my address and phone numbers and was told I was approved for $5k on their simplicity card, was only pending for verification. Earlier, recieved a welcome email from amex with a cl of $2k.


My poor AAOA , I don't want to see my scores drop below the 7's. I wasn't expecting approvals without calling them. Glad I added amex for backdating purposes however. I committed myself to the garden the day I was approved for the csp. :smileyembarrassed:

AkAir $50k | CSP $35k | Marriott $32k | AkAir $17k | SPG $15k | Fidelity $10k | Credit Union $8k | Discover $8k

TU: 733 / EQ: 717 / EX: 733
Valued Contributor
Posts: 2,513
Registered: ‎09-26-2011

Re: Ever get approved, when app was thought to be denied?

YAY u!


....and yes, that did happen to me once...I apped for a Nationwide Visa, got the 7-10 message and assumed I was denied...


7-10 days later, the new card arrived. 

Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Regular Contributor
Posts: 249
Registered: ‎07-21-2011

Re: Ever get approved, when app was thought to be denied?

I wanted a travel rewards card a couple years ago, so I apped for Discover Miles....I think I got a screen that said something similar to a 7-10 day message, so I thought I was denied. Then I went on to do more research and found out that the PenFed AmEx was a better travel card, so I apped for that about a week after apping for Discover. After not hearing from Discover for a few days, I called customer service and they told me that they actually had no record of my application at all! In the end, I recieved two emails on the same day - both approvals for PenFed AND Discover! Crazy. 


A year later I just PCed my Discover to an IT, since I don't need two travel cards. 

Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3

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