Established Contributor
Posts: 545
Registered: ‎03-20-2009
Re: 7-10 message on secured credit card app

Low and behold they do have a backdoor #.  After waiting almost 15 minutes all the underwriter could tell me was it was processing and that they have a hold time of up to 6 days on the funds being transferred which makes the secured cards take a little longer.  I mentioned my conern about possibly not being approve even though it was a secured card and she did state that there were a couple reasons that would cause a secured card to be denied (she didn't mention what they were), but that she didn't see anything on my account.  I did check Equifax and they HP me today.  So I guess I'm just waiting (not very patiently) right now.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)