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.
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
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