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Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
0

Online, Call or In Person?

Which do you have the most success with?

 

Does your success differ with each bank too?

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)
Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Online, Call or In Person?

[ Edited ]

There is no difference to the above three apply methods. Because for phone and in-person apply, representative still has to type in your information to the computer and let the computer to decide. They do not have decision authority over application. Now days everything is done by computer.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
SpiceIslander
Posts: 348
Registered: ‎02-01-2010
0

Re: Online, Call or In Person?

If you think you have a solid chance of approval apply online, if not, call. My reasoning is that you can ask for a recon while still on the phone if you're denied. They can perform their "further review" while you hold and/or answer any questions they might have.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Online, Call or In Person?

I would choose on-line.  Last time I did an app in-person, the csr typed all my info into her computer, then applied and approved me for the wrong card!

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Online, Call or In Person?

I don't know that it makes a difference, but I prefer online. Nothing more embarrassing than a big fat denial while others standby and watch..lol

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Online, Call or In Person?

Online. The only time I applied for a credit card in person was for my Freedom card because I wanted to make sure it was linked to my checking accoun for 10&10/Chase Excusives, but I could have done that over the phone anyway.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Epic Contributor
Creditaddict
Posts: 22,037
Registered: ‎10-23-2007
0

Re: Online, Call or In Person?

Target is in store only or print application and mail.

Macy's you SHOULD do in store only (You apply online and they ONLY consider you for store, not Amex also... and Macy's is really crazy about the credit card making purchases online...

in store you can end up with store, and amex. instantly.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Online, Call or In Person?

I prefer to apply online b/c I can see what I'm getting...I've only applied for credit in store twice b/c I absolutely had to...lol.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Epic Contributor
Creditaddict
Posts: 22,037
Registered: ‎10-23-2007
0

I agree in the sense that I rather apply at home when it...


maiden_girl wrote:

I prefer to apply online b/c I can see what I'm getting...I've only applied for credit in store twice b/c I absolutely had to...lol.


I agree in the sense that I rather apply at home when it comes to banks or cards that I know I can call seconds after whatever message I get (approved, let you know, or declined) and try to get it recon, upped, or what not... I have in past done stuff in Sams store but if busy that is a pain to be on a phone at the service desk talking to underwriting!! In some cases I want them to know I got approved after they had to tell me declined!

but otherwise i rather be at home to do the phone stuff.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

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