05-26-2013 03:42 AM
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.
05-26-2013 05:17 AM
....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.
05-28-2013 10:12 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.