@FretlessMayhem wrote:
I'm confused on why they would need to validate funds for a normal CC.
Notwithstanding my previous statement, they'll probably know in a day or two if you want to call back later like you stated.
The way I understand it is this: the worse your credit, the more they charge as a "processing fee" (don't ask me why). They won't consider your account "approved" really, until they make sure that the funds you've paid for the processing fee are good and in their hands.
I had a $29 fee, whereas DH had a $19 fee. I've heard of others having to pay no fee, too.
OP: Make sure to call the backdoor number and ask for a CLI BEFORE you activate the card. I had uber-crappy credit scores and I managed to score a CLI from $300 to $500. Nice for util.