Police and fire federal credit union credit card approval

[Anonymous]

I was wondering if this has happened to anyone else, i started filling out the card application online but never hit the submit button. I started having second thoughts so i hit the save and finish later button.
The next morning i get a call that my application was approved for $7,500 cl while never formally submitting my application? I just have to fax 2 recent paystubs.

[baller4life]

Wow that's crazy. Did you get a hp?

[Anonymous]

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@baller4life wrote:
Wow that's crazy. Did you get a hp?

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Same thing can happen at NFCU as my g/f found out.  Started an application for personal loan and saved it without hitting submit.  Was hit with HP and a request for income verification the next day.  She was going to fight them on the HP because she decided against the loan but in the end just let it go.

[Anonymous]

As a matter of fact, something similar did happen to me.  I visited BofA's site multiple times, and filled out the application twice but didn't submit it.  I finally went and filled it out a third time but submitted it.  I was denied, so I called and they told me they saw three applications on file from me in one day.

I would guess that as soon as the information is typed in, they are already creating a file in their system for you so they can actually advertise the "Decision in 60 seconds" thing.  Or there's something nefarious behind it.

[Anonymous]

No hard pull showed up yet, i did a car refi with them months ago and only a soft pull.