@BMW_M-Series wrote:Every credit card that I havent been instantly approved or instantly declined has always been a decline. I havent had many but ive also read multiple people on here say most of them are declines. But I dont know about discover. I was instantly approved for discover and what ive read from other people may have been for amex, chase, ect. I'm not saying all of them are declines because I know thats not true but with all credit card companies I feel its safe to say the majority of the time its a decline. But hopefully this time it is NOT a decline
I believe I've received maybe seven or eight instant approvals and that was mostly back when I didn't have any or many accounts. I've obtained multiple cards this year and everyone except one was an instant and every single one of them was approved. I just think it's unneccesary worry just because you get a message saying they need more time. I had two instant with American Express and three "in progress" applications. Chase, one was instant and the other five were "we need more time". One of those just needed verification and it was instant after that, so a human didn't look at it. It's just better to be optimistic about it then to automatically assume it means the worst.
@navigatethis12 wrote:
@BMW_M-Series wrote:Every credit card that I havent been instantly approved or instantly declined has always been a decline. I havent had many but ive also read multiple people on here say most of them are declines. But I dont know about discover. I was instantly approved for discover and what ive read from other people may have been for amex, chase, ect. I'm not saying all of them are declines because I know thats not true but with all credit card companies I feel its safe to say the majority of the time its a decline. But hopefully this time it is NOT a decline
I believe I've received maybe seven or eight instant approvals and that was mostly back when I didn't have any or many accounts. I've obtained multiple cards this year and everyone except one was an instant and every single one of them was approved. I just think it's unneccesary worry just because you get a message saying they need more time. I had two instant with American Express and three "in progress" applications. Chase, one was instant and the other five were "we need more time". One of those just needed verification and it was instant after that, so a human didn't look at it. It's just better to be optimistic about it then to automatically assume it means the worst.
I got the 5-7 day on Chase when I app'd for the CSP and a couple of hours later the CSP was reporting on my Chase account.
The message should read "due to the computer not being able to make judgement calls, a human needs to review your application," lol. This way people don't think it's an auto denial.
I have also read multiple threads lately on people who got the 5-7 or 7-10 day message and was approved. There is hope OP!
this is good to know! i must have had some bad luck in the past with that message so its left a bad taste in my mouth 
good luck OP!!
@azguy13 wrote:I got the 5-7 day on Chase when I app'd for the CSP and a couple of hours later the CSP was reporting on my Chase account.
The message should read "due to the computer not being able to make judgement calls, a human needs to review your application," lol. This way people don't think it's an auto denial.
I have also read multiple threads lately on people who got the 5-7 or 7-10 day message and was approved. There is hope OP!
It's funny because when you get an instant approval with US Bank they tell you that it may need to be reviewed by someone and they will send a letter if the terms or limit need to be changed.
@BMW_M-Series wrote:this is good to know! i must have had some bad luck in the past with that message so its left a bad taste in my mouth
Of course we'd all like to be told yes or no right away wouldn't we? My mom said that way back when cards first came out, it could take about one month to get it since everything was by mail. We really have it made now.
to me if you get 7-10 it means its an maybe you could be borderline. I got them both on my recent discover IT and BCP application and was approved for both. If its an decline you usually get an online decline right after you click submit?
