Established Contributor
Posts: 637
Registered: ‎07-24-2012
Re: 7-10 message on secured credit card app
[ Edited ]

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.


Good luck!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
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
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