Nationwide CC App status.....

[doedoe]

i applied 3-28-10 and recieved the 7-10 day message. I called yesterday to check on the status but was told its still pending.

i checked eq & tu but Nationwide hasnt pulled either report. ex is frozen.

anyone who has applied, was the credit pull on your reports right away?

[Itsmeagain]

Nationwide pulled TU for me within 1 day of applying.  I am in Georgia.

[Anonymous]

I applied  about an hour ago and was instantly approved,but I don't know the CL. Kinda went on a spree. Discover $8K,Citi Plat Select $6800(I'm done). Although I may try Alliant CU in the morning!

Thanks to MY FICO,I was able to turn my credit profile around in a year. I appreciate all the advice I found here.

[Itsmeagain]

DoeDoe, I suggest that you call and ask why the delay.  Sometimes they will put a restriction on your application that the front line CSR isn't aware.  Things such as identity or income verification, locked credit reports, etc.

I have found them to be a very good company.  I only wish I was eligible for full membership.

[doedoe]

well i called this morning. transfered to underwriting and was told its still under review. they said its because theres a freeze on my report. the only freeze i have is on EX.

i asked if they could pull TU or EQ and they said no, they only pull EX.

both my TU & EQ reports are clean and scores are both over 700.

EX has 1 CO from 04'......

dont know if i should do it or not.????

[BungalowMo]

Something isn't right.  Why would your app still be "under review", when they say they will only pull EX & your EX has a freeze & they didn't ask you to remove it.

I think you may have gotten the one CSR that might need more training.  I don't believe I've heard anyone to date mention ONLY an EX pull.  In fact, I believe it was about a 99% TU only, pull rate.

I'd call back another day at another time & get another rep.  See if they say the same thing.

[doedoe]

actually they did tell me to remove it. she said in 3 days they will try pulling it again. she said that was enough time to call EX and remove it.

edit: dont know if it makes a difference or not but i live in AZ and almost everyone pulls EX.

[mgs2010]

Thats strange that they pull EX...I have a Nationwide CC and it doesn't even report to EX...only TU and EQ. Not quite sure why...and on one of them it reports as Nationwide Credit Union. It is a pretty good card..one of the few that credits your account monthly for the cashback on purchases. Much better than having to wait until you have $50.00 or so to redeem. The website to manage the account is pretty much the worst I've seen.

[Itsmeagain]

---

@mgs2010 wrote:

Thats strange that they pull EX...I have a Nationwide CC and it doesn't even report to EX...only TU and EQ. Not quite sure why...and on one of them it reports as Nationwide Credit Union. It is a pretty good card..one of the few that credits your account monthly for the cashback on purchases. Much better than having to wait until you have $50.00 or so to redeem. The website to manage the account is pretty much the worst I've seen.

---

That is exactly my findings with Nationwide.  Pulled TU only.  Only reports to EQ and TU.  One as Nationwide Bank, the other as Nationwide CU.  I know they recently were chartered as a bank.  Maybe the rules have changed?

Agree also that the online card management site is crappy.  It reminds me of the Hooters site.  Not much information there.

I like the monthly cash back feature too.  Since I PIF before the statement, I always have a credit balance showing on statement.

Oh! And I am in Georgia