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Scared To Call....

Established Contributor

Scared To Call....

Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....   I'm scared to call in.. I hate rejection and I hate to even admit that too.. 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 1 of 46
45 REPLIES
Frequent Contributor

Re: Scared To Call....

call in, I am sure they just want to clarify some points. 

 

Worst that can happen is they say no.

Message 2 of 46
Regular Contributor

Re: Scared To Call....

yea i got that same message a few years back i called and they approved me for a plan b card with a limit of 1940

Message 3 of 46
Valued Contributor

Re: Scared To Call....


RSCo wrote:

Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....   I'm scared to call in.. I hate rejection and I hate to even admit that too.. 


Call them...if you're at a 703, you should be approved.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 4 of 46
Valued Contributor

Re: Scared To Call....

Sometimes they need to verify some info. Hope you get it, keep us posted!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 46
Senior Contributor

Re: Scared To Call....

Prob just verification!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 6 of 46
Frequent Contributor

Re: Scared To Call....

They're probably just confused about why a person with a FICO over 700 would be applying for a crappy subprime card!

Seriously, barring something strange, there's no way you're getting rejected for this card.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Message 7 of 46
Frequent Contributor

Re: Scared To Call....

I applied for them about two years ago and was declined but had an AMEX and applied for a BofA Cash Rewards and was approved. Now I have a CSP. Weird.
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Message 8 of 46
Senior Contributor

Re: Scared To Call....


RSCo wrote:

Submitted a Best Buy / Cap One app and rather than the instant approval confirmation page, I got the "please call us" status.....   I'm scared to call in.. I hate rejection and I hate to even admit that too.. 


Dude.  Really?

 

If they're going to say no, they'd have said no.   Asking you to call them is about verification...probably of your identity.

 

If you DONT call them, they'll assume it wasn't you applying and will deny the application.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 9 of 46
Regular Contributor

Re: Scared To Call....

Call them.

 

They're probably going to ask you 4 questions.

 

Have you ever had a mortgage and what was the amount?

 

Which of these cities have you lived in?

 

Do you like almonds or peanuts?

 

Basic questions to test your identity. If you pass, you'll come back with a nice fat approval (maybe, probably, who knows)

 

 




Message 10 of 46