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I've been a Zync member for 4 months only before being approved for the Blue Cash. weird
@MDfan90 wrote:
the negative factors experian lists are ...
Have you pulled a score/reports from here (myFICO)?
@TheCreditKid wrote:I've been a Zync member for 4 months only before being approved for the Blue Cash. weird
I think he is denied because he has too few other accounts (with other lenders).
i must be stupid. i called 8008742717 and i get getting customer service reps. i asked to speak to a underwriter or at least a human who has the ability to reconsider my application but they said i need to call 18773993083 (the new card department or something on those lines) and ask to resubmit my application. this doesn't give me a chance to defend my case. What am i doing wrong here? i call the 800 number, press 1 for current customers (the other options have nothing to do with me) and it leads me to regular reps that can't do anything with my account except pull it up.
you usually can't talk to underwriting... it's a very simple process as they told you, you ask to have it reviewed again and then you either get an e-mail that says congratulations or you get a denial again.
so whats the point of calling the "back door" number. all they do is transfer me to the 1877 number.
i just called again right now. i told them that a friend supplied me with this number so i can plead my case and get my decision reconsidered. the person on the phone said they couldn't do anything for card decisions and that i would have to call the 1877 number (when i did call the 1877 number, all they promised was they would resubmit my app. but whats the point, wouldn't i get denied again?).
so what exactly is the point of the 800 number? its not taking me " past frontline CSR's directly Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things." Its actually taking me to more outsourced cs reps who can't help.