It looks like i may have been an little over zealous about my recent app spree. I most recently apped for discover IT , chase freedom , and Amex BCP. I got instant approval for Freedom, so i thought why not try for BCP also. I got the dreaded 5-7 days, does that usually mean its an denial for sure? I got the same from Discover also.
You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
@bigbang91 wrote:You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
were you able to get instant approvals for all of them ? Or did you have to call backdoor number. I thought i would have been okay with discover because my equifax was highest of all my fico scores. they kept on sending me pre approvals an few times an week, so that made me pretty sad.
@bigbang91 wrote:You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that
@myjourney wrote:
@mongstradamus wrote:
@bigbang91 wrote:You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that
Call it may not be a denial but address verification or something simple
And Amex won't HP when asking status....However if you choose to recon they will ask that you fax a new CR and then yes they will probably HP again at that point but it makes no sense to go that far unless there's a major change in CR's to show Amex
Ok thanks for that information , well after i find out about amex definately going to be gardening for at least 10 months if not more :-)
None of my approvals were instant except for Cap1 
... always needed some verification and got approved .. so not necessarily means denial .. good luck
@lg8302ch wrote:None of my approvals were instant except for Cap1
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)