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Valued Contributor
indiolatino61
Posts: 1,479
Registered: ‎11-10-2012
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Phone or Online...Any Difference?

Hello all...when I come out of the garden, would there be any benefit or difference in apping for the BCP by phone instead of online? Some people say apping for some cards in the branch seems to be better than apping online, so I was wondering if apping by phone gives any better chances? Thanks for your comments and help.

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Phone or Online...Any Difference?


indiolatino61 wrote:

Hello all...when I come out of the garden, would there be any benefit or difference in apping for the BCP by phone instead of online? Some people say apping for some cards in the branch seems to be better than apping online, so I was wondering if apping by phone gives any better chances? Thanks for your comments and help.


Eh not really. Only advantage over the phone is if declined the ycan transfer you to a credit analyst in most cases.

 

I prefer online.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
indiolatino61
Posts: 1,479
Registered: ‎11-10-2012
0

Re: Phone or Online...Any Difference?


LS2982 wrote:

indiolatino61 wrote:

Hello all...when I come out of the garden, would there be any benefit or difference in apping for the BCP by phone instead of online? Some people say apping for some cards in the branch seems to be better than apping online, so I was wondering if apping by phone gives any better chances? Thanks for your comments and help.


Eh not really. Only advantage over the phone is if declined the ycan transfer you to a credit analyst in most cases.

 

I prefer online.


Thanks...I prefer online as well...:smileywink:

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Super Contributor
enharu
Posts: 6,992
Registered: ‎02-27-2013
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Re: Phone or Online...Any Difference?

I prefer doing it online, especially if the lender uses outsourced representatives. The language / accent barrier sometimes makes the process a lot more confusing and time consuming for no good reason.

 

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Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Phone or Online...Any Difference?

Pick whichever method gives you the best sign-up bonus.

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