Reply
Contributor
Posts: 141
Registered: ‎02-11-2012
0

banana republic vents, 4 HPs!!!!

so i applied for the banana republic card last night, and whether i got approved or not, that would end my app spree for another year. anyhoo, got the 7-10 days msg, called this monrning to check status and to recon, a nice lady was telling me that it needs further verification bc there were mutliple applications submitted. she verified all my info, came back and said she removed 3 apps and sent one to CW to make a decision. i asked her if all 4 would resulted in 4 HPs on my report and she said yes and apologized bc their website experienced a glitch last night where the submit button would be pressed multiple times on its own. OMG!!!!! i would be very livid if i dont get approved, are you kidding me? 4 HPs for one crappy banana republic card? what can i do myfico friends?????

Frequent Contributor
Posts: 320
Registered: ‎05-17-2011
0

Re: banana republic vents, 4 HPs!!!!

Call and have them remove 3 of them.

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Contributor
Posts: 141
Registered: ‎02-11-2012
0

Re: banana republic vents, 4 HPs!!!!

could i call the same number and ask them to remove, i did asked her but she said they will only remove if its a fraudulent app, in this case its not, i didnt want to make her mad bc i thought she was going to approve my app, but no! :smileysad:

Contributor
Posts: 162
Registered: ‎04-15-2011
0

Re: banana republic vents, 4 HPs!!!!

I would try and disputing it, it was their fault so you can't possibly lose. Call the credit bureau they pulled and ask to dispute.. That's if the CSR doesn't remove the 3 other inquires
My wallet : Amex Zync NPSL , Discover More $3500, BankAmericard Cash Rewards $1000, Walmart Discover $1400, Chase Freedom $1000, Capital one Platinum $1000, Macy's Store card $100, Amazon Store card $1400, Southwest rapid rewards $5000, Marriot Visa $5000. Barclay Apple $1200
Established Contributor
Posts: 608
Registered: ‎02-02-2012
0

Re: banana republic vents, 4 HPs!!!!


Itsrx1 wrote:

so i applied for the banana republic card last night, and whether i got approved or not, that would end my app spree for another year. anyhoo, got the 7-10 days msg, called this monrning to check status and to recon, a nice lady was telling me that it needs further verification bc there were mutliple applications submitted. she verified all my info, came back and said she removed 3 apps and sent one to CW to make a decision. i asked her if all 4 would resulted in 4 HPs on my report and she said yes and apologized bc their website experienced a glitch last night where the submit button would be pressed multiple times on its own. OMG!!!!! i would be very livid if i dont get approved, are you kidding me? 4 HPs for one crappy banana republic card? what can i do myfico friends?????



If its crappy...why did you apply? 

Frequent Contributor
Posts: 320
Registered: ‎05-17-2011
0

Re: banana republic vents, 4 HPs!!!!


Itsrx1 wrote:

could i call the same number and ask them to remove, i did asked her but she said they will only remove if its a fraudulent app, in this case its not, i didnt want to make her mad bc i thought she was going to approve my app, but no! :smileysad:


Ask to speak to a supervisor or check the backdoor numbers stickies and call that. Because the multiple apps were not your fault they have to remove the ones that were placed in error. 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Contributor
Posts: 141
Registered: ‎02-11-2012
0

Re: banana republic vents, 4 HPs!!!!


logan_720 wrote:

Itsrx1 wrote:

so i applied for the banana republic card last night, and whether i got approved or not, that would end my app spree for another year. anyhoo, got the 7-10 days msg, called this monrning to check status and to recon, a nice lady was telling me that it needs further verification bc there were mutliple applications submitted. she verified all my info, came back and said she removed 3 apps and sent one to CW to make a decision. i asked her if all 4 would resulted in 4 HPs on my report and she said yes and apologized bc their website experienced a glitch last night where the submit button would be pressed multiple times on its own. OMG!!!!! i would be very livid if i dont get approved, are you kidding me? 4 HPs for one crappy banana republic card? what can i do myfico friends?????



If its crappy...why did you apply? 

 

 

im just mad, its not that crappy, i shop there alot :smileyhappy: still mad though


 

Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
0

Re: banana republic vents, 4 HPs!!!!

It's possible she is wrong in saying it would be 4 HP's. I had the same thing happen when I applied for Macy's. I was approved and very quickly received my card in the mail. The very next day after I received the card, I received 2 denials from Macy's in separate envelopes, both stating the time between applications was too short. Confused, I called in and spoke with a manager of some sort who said I got the letters because I applied 3 times in one day. I asked him whether he thought someone would ever apply 3 times in the same day for a card and he said no. I asked if that meant 3 HP's were done and he indicated that one HP was used for all 3. To be sure, I used one of the "denials" to get my free credit report ( :smileyvery-happy:) from the agency they pulled and he was right--just one HP.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Established Contributor
Posts: 608
Registered: ‎02-02-2012
0

Re: banana republic vents, 4 HPs!!!!


Itsrx1 wrote:

logan_720 wrote:

Itsrx1 wrote:

so i applied for the banana republic card last night, and whether i got approved or not, that would end my app spree for another year. anyhoo, got the 7-10 days msg, called this monrning to check status and to recon, a nice lady was telling me that it needs further verification bc there were mutliple applications submitted. she verified all my info, came back and said she removed 3 apps and sent one to CW to make a decision. i asked her if all 4 would resulted in 4 HPs on my report and she said yes and apologized bc their website experienced a glitch last night where the submit button would be pressed multiple times on its own. OMG!!!!! i would be very livid if i dont get approved, are you kidding me? 4 HPs for one crappy banana republic card? what can i do myfico friends?????



If its crappy...why did you apply? 

 

 

im just mad, its not that crappy, i shop there alot :smileyhappy: still mad though


 


:smileyvery-happy: I would ask them to remove the other 3 pulls, as it is not your fault, you technically did not authorize them.

Contributor
Posts: 141
Registered: ‎02-11-2012
0

Re: banana republic vents, 4 HPs!!!!

calling now, will let you guys know the results


Itsrx1 wrote:

logan_720 wrote:

Itsrx1 wrote:

so i applied for the banana republic card last night, and whether i got approved or not, that would end my app spree for another year. anyhoo, got the 7-10 days msg, called this monrning to check status and to recon, a nice lady was telling me that it needs further verification bc there were mutliple applications submitted. she verified all my info, came back and said she removed 3 apps and sent one to CW to make a decision. i asked her if all 4 would resulted in 4 HPs on my report and she said yes and apologized bc their website experienced a glitch last night where the submit button would be pressed multiple times on its own. OMG!!!!! i would be very livid if i dont get approved, are you kidding me? 4 HPs for one crappy banana republic card? what can i do myfico friends?????



If its crappy...why did you apply? 

 

 

im just mad, its not that crappy, i shop there alot :smileyhappy: still mad though


 


 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.