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01-06-2010 11:54 AM
I applied for this card two days ago on line, and after what seemed for over a minute of 'flashing' lights I received a message which read: Your application has been received and processed. Unfortunately we are unable to make a decision at this time.'et cetera', etc.
today, I checked online to see the status of my application and received this message:
Congratulations! Your application has been approved. If you applied for a credit card, you will be notified
by mail in 7 to 10 business days. If you applied for a loan, listed below are the terms of your loan and a
representative will contact you shortly. Please print this page for your records.
What would be the next step? Or better put, what should be my next step? Should I call them to find out which card I was approved for, how much my credit limit is? Or, instead wait patiently?
Your suggestions would be well appreciated.
01-06-2010 12:32 PM
Wait 7 to 10 days for the mail.
Or, call in and see if a CSR can/will tell you anything. But some companies can't tell you anything, cause the CSR doesn't see the details.
01-06-2010 01:43 PM
01-06-2010 10:34 PM
Alright! Great advice from the Fico forum members. I'll keep the forum updated, as I patiently meander through the process of establishing this account. Details to follow.
Thank you everyone!
01-12-2010 08:39 AM
01-12-2010 06:07 PM
Thanks! I've just checked again online, and it still reads 'Your application has been approved'. I hope I get something in the mail soon to confirm this. Another interesting fact is that they have pulled only 1 report, this was from TU.
01-12-2010 11:01 PM
01-14-2010 01:30 PM
Update: After waiting for 5 bank working days, I received my card in the mail today. I telephoned the toll free number indicated on the removable label to activate my new $5000. credit line.
I must state that so far, I am greatly impressed with the way this bank does things.
My question now is: Does Simmons grant automatic credit line increases?
01-14-2010 02:15 PM
None that I know of. They are a conservative bank, but increases should not be a problem with a good history with them.