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I applied for a Kay's card and received the following response:
Thank you for your interest in Kay Credit. Your application is currently under review. You will receive an email from Kay.com giving you an application status update within one hour.
Is this good or bad?
I have 2 positive accts on TU and 1 paid CO from 2004. I believe they pull TU. My score is 612.
You should be receving a email from them within a hour with your results. I received one within 10 minutes...
I received the same response, I actually had to call them and the rep asked me a few questions for verification and then approved me for $800 CL.
10/17/09: FICO TU:667/EQ:610 EX:649 (FAKO) 11/12/09: FICO TU:663/EQ:595 EX:639 (FAKO)
New accts. CapOne, Zales, Kays, Macy's New accts. opened at the same time, I'm assuming that's reason for my score drop
11/22/09 EQ:601(updated today)
I got the same message today....when I checked back I was approved for $1,500...from Kay. I applied for a Jared card since they are owned by the same company and was approved for $1,500... I am in NYC. They pull Equifax my Fico score is 611. I hope you were approved...
Susie...
@Gibran wrote:I received the same response, I actually had to call them and the rep asked me a few questions for verification and then approved me for $800 CL.
Same here
CB
@mnegron1969 wrote:
i received you'll getletter in mail answer
Good luck. Remember to recon if you're denied.
@mnegron1969 wrote:
i received you'll getletter in mail answer
No doesn't always mean no in the form of getting a letter in the mail it just means you might want to call and ask them to reconsider their decision and look at it again. This happened too me with Discover a year ago, denied online letter came I called them three times and finally got someone to manually review the application and my reports *approved* if $4,500 a bit small but Discover is known to be that way. So when you get your letter if it is a denial call and ask them to reconsider.
Just a few thoughts on this....
I applied and got a message that will receive within 20 days, called and was told that they couldn't verify my address, not sure why, since my address on all three reports are current and correct, she said to go to the store and bring id, mail with my addy on it, confused about this.
Anyone approved after providing this info, my equifax is 640 tu is 641