Reply
Frequent Contributor
Posts: 484
Registered: ‎07-31-2007
0

when they say they need more time processing...that usual...

when they say they need more time processing...that usually means your not approved right?
Contributor
Posts: 99
Registered: ‎07-20-2007
0

Re: when they say they need more time processing...that usual...

That, or they need some paperwork or they are going to offer you a secured card with a $ deposit, or you have fraud alert on your credit report. :smileysad:
New Visitor
Posts: 1
Registered: ‎08-01-2007
0

Re: when they say they need more time processing...that usual...

I currently have a Chase MC and had applied on-line for a Chase Disney Visa due to an up-and-coming trip.  I was given the 'we need additional time to process... and will get back to you' message on-line.  Low-and-behold I received a call at work 2 weeks ago from Chase regarding my request.  A very nice lady verified my info, asked about my income, went over my current outstanding debt and asked what my plan was to take care of them and then said she would approve me for a card and to expect it in 7-10 days... cards arrived yesterday with a $2K CL, 0% for 6 months, no fees... I had expected to receive the customary rejection letter but was pleasantly surprised :smileysurprised: 
Established Member
Posts: 34
Registered: ‎05-10-2007
0

Re: when they say they need more time processing...that usual...



T--Rev wrote:
I currently have a Chase MC and had applied on-line for a Chase Disney Visa due to an up-and-coming trip.  I was given the 'we need additional time to process... and will get back to you' message on-line.  Low-and-behold I received a call at work 2 weeks ago from Chase regarding my request.  A very nice lady verified my info, asked about my income, went over my current outstanding debt and asked what my plan was to take care of them and then said she would approve me for a card and to expect it in 7-10 days... cards arrived yesterday with a $2K CL, 0% for 6 months, no fees... I had expected to receive the customary rejection letter but was pleasantly surprised :smileysurprised: 


congrats! what are your fico's
Frequent Contributor
Posts: 484
Registered: ‎07-31-2007
0

Re: when they say they need more time processing...that usual...

what is yor score?
Regular Contributor
Posts: 171
Registered: ‎05-18-2007
0

Re: when they say they need more time processing...that usual...

I applied for a Discover card Monday night and got that message. I got a call from Discover last night. They wanted to know if I had a mortgage (I don't), if I had a cell phone (I do and she wanted to call me at my cell phone to verify, strange), if I was a legal resident or citizen (legal resident) then she approved me for $4000 limit with 0% interest for 12 months.
For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Re: when they say they need more time processing...that usual...



javi84 wrote:
I applied for a Discover card Monday night and got that message. I got a call from Discover last night. They wanted to know if I had a mortgage (I don't), if I had a cell phone (I do and she wanted to call me at my cell phone to verify, strange), if I was a legal resident or citizen (legal resident) then she approved me for $4000 limit with 0% interest for 12 months.


 What were your scores for the Discover Card, any baddies on your CR's?
Regular Contributor
Posts: 171
Registered: ‎05-18-2007
0

Re: when they say they need more time processing...that usual...

No baddies and my Equifax score was 699 before I submitted the app. then I got an alert from myFICO that I've been seeking new credit and got bumped to 703. I don't know what my other scores are.
For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Re: when they say they need more time processing...that usual...

Alright thanks,  I'm only lower 600's right now... But I am interested in a Discover Card... Looks like I'll be waiting a little while getting some more things in order before I apply for one.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.