Reply
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

"Further Review"

Just apped for CSP and SPG cards. Got approved for CSP (yay!) and the response for SPG was that my application was "under further review" and that I would get a response within 14 days. Should I wait for them to respond with either an acceptance or rejection, or give them a call now? My concern with calling now is that I really don't know why exactly they wanted to review it further.

Recent FICO scores: TU - 755 (mortgage lender pull)
Valued Contributor
Posts: 1,953
Registered: ‎03-30-2012
0

Re: "Further Review"

Have you checked the status online yet? There's a page you can go to...

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

Re: "Further Review"

Oh? Where is that, and how can I log into it (as I don't believe I have a login for it that I know of).

Recent FICO scores: TU - 755 (mortgage lender pull)
Valued Contributor
Posts: 1,953
Registered: ‎03-30-2012
0

Re: "Further Review"

 

https://www262.americanexpress.com/eaol/welcome.do

 

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

Re: "Further Review"

[ Edited ]

Thank you! It says "declined," so I guess it's time for a phone call!

 

Argh, when I initially go there, I enter the info it asks, then it shows the card, status is declined, and says "To view the full decision details click here." When I click there, they ask for my DOB, I give it, and then click the "Check Application" button, and it hangs for an eternity before coming back with an error. I'd love to see WHY I was declined so I can craft my arguments around it.

Recent FICO scores: TU - 755 (mortgage lender pull)
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: "Further Review"

Well atleast you got approved for one cc. I would call and recon the other. Good luck

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: "Further Review"

Those are two cards on my radar for June. What's your CR, scores, etc look like?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: "Further Review"

Congrats on the one approval! Try a recon with the other. Hope it works! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: "Further Review"

congrats on your new CSP, I want this card badly.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

Re: "Further Review"

Thanks! It's the one I wanted more, so I'm glad I got it, although the recon phone call probably would have been easier with Chase than it seems to be with AmEx (since I have a relationship with Chase, but not much of one with AmEx).

 

I'm worried about the recon of the SPG card though, since when I called earlier, the CSR said they need to pull my credit again to recon it. I plan on gardening for a year or two after this mini-spree anyways, but still!

Recent FICO scores: TU - 755 (mortgage lender pull)
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.