In person vs online applications

[Anonymous]

I'm new to this forum and have a few questions:

1. Is there a difference in applying for credit in person versus online.  It seems like when I apply online I get denied.  One of the reps told me that they have more fraud with online applications so the verification rate is higher.

2. I have read several posts and I am totally confused by the acronyms.  How can I tell what CSR, Recon, etc. mean?

[Anonymous]

For abbreviations see the following link. http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=23

[Aduke1122]

I don't think there is a big difference between apping online or in person , but some have had better luck with places such as store credit cards apping in store . Sorry I know the forums acronyms can be really confusing at first but stick around and you will gain a wealth of credit knowledge! Welcome to the forum, also what cards were you thinking about apping for maybe you could get advice on those specific ones .

[Anonymous]

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@Anonymous wrote:

I'm new to this forum and have a few questions:

1. Is there a difference in applying for credit in person versus online.  It seems like when I apply online I get denied.  One of the reps told me that they have more fraud with online applications so the verification rate is higher.

2. I have read several posts and I am totally confused by the acronyms.  How can I tell what CSR, Recon, etc. mean?

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I think the only difference in applying in person is the person you are talking to at the branch is the one preparing your app for you.

[Anonymous]

Thanks for the clarity....

[newhis]

When my DW got her Chase card, she applied in person. It was a denial but the banker called, told them that DW was a client, then they wanted to talk with her and finally they approved with $500 limit.

For me, the in person application is better if you have a relationship with the bank or if the banker want to go the extra mile to get you the card.