Re: 7-10 message on secured credit card app[ Edited ]
11-16-2012 08:11 AM - edited 11-16-2012 08:12 AM
Check the sticky Backdoor Numbers thread and find the creditor you applied to. Call them and ask them to reconsider (recon) your application.
Typically, the 7-10 day notice means your application is borderline. With many creditors, a recon can turn that 7-10 day message into an approval.
Don't wait for them to mail you a decision, call them now.
Be prepared to talk about any accounts, inquiries, and negatives on your credit reports as part of the recon. They will want sound explanations of the things that are on your report.
My Wallet: Amex BCP $10k, Amex Zync NPSL (> 10k), Chase CSP VS $9.2k, C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.2k, Chase Freedom V $600, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Dream Wallet:Barclaycard Arrival WMC (replace C1 Venture), Amex Platinum (replace Zync eventually), Andrews FCU Global V (chip + PIN for travel). Otherwise, pretty happy with my portfolio now.