topic Re: Diners Club Roller Coaster in Credit Card Approvals

Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:38:08 GMT

I stayed away from the forums for a while to try and garden and was doing well for until I decided to peak in and saw Diners Club app/approvals and all the excitement...and I fell off the wagon. Applied on Sept. 29 and received 7-15 day message. Called a few days later and csr couldn't tell me anything. Called back a couple days later and still nothing. So I let a full 2 weeks go by and call again and still nothing.

I decided to call one last time last Monday only to be told that I was denied on Oct 2. The csr told me the reason I was denied was because my address on the app didn't match the address on my EX report (I was one of the lucky ones that got pulled on both TU and EX). So I pulled up my EX report with the csr still on the phone with me and told her its exactly the same as what I put on the app. She put me on hold for a couple minutes and came back and told me it was because on my app I put "apt" in front of my apartment number but on my EX report it has "#". What?! Seriously?! I asked if she was sure if that was the only reason for my denial and apparently the underwriting department said it was. I was told to call Experian and have it corrected and reapply. The guy at EX told me that was one of the strangest reasons he's heard, told me both variations of my address were on my report and that I should reapply using the "#". And so I did and got the 7-15 day message. Got double pulled again, called a few days later and was told they couldn't find anything on the new app and to wait for the letter. At this point I gave up. Threw my hands in the air, scolded myself for apping first time as well as the second time, decided to throw myself a pity party with Baileys and coffee and a bunch of cookies and didn't think about it again until today.

After a craptastic day at work I check my mail and there it was all alone in the mailbox. Thinking it was finally the first denial letter I tore it open to see what the REAL reason for my denial was and it was my pin!!! I was approved!! Still can't believe the reason for my first denial was due to "apt" vs "#". I honestly didn't think it was such a big deal but it was for Diners. Now I'm just going to wait for my card to find out my limit and reflect on my roller coaster ride as a reminder to just garden.

Re: Diners Club Roller Coaster

FinStar — Fri, 31 Oct 2014 05:43:26 GMT

Congratulations!!! Oh I remember my rolercoaster with the address issue as well. Mine was with TU. In the end, and due to their mix up and whatnot, I ended up getting both approved, Premier on 10/17 and Elite on 10/27. Interestingly, the denial letter with the address verification issue just came not long ago. I also got 2 HPs.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:45:03 GMT

@Anonymous wrote:
I stayed away from the forums for a while to try and garden and was doing well for until I decided to peak in and saw Diners Club app/approvals and all the excitement...and I fell off the wagon. Applied on Sept. 29 and received 7-15 day message. Called a few days later and csr couldn't tell me anything. Called back a couple days later and still nothing. So I let a full 2 weeks go by and call again and still nothing.

I decided to call one last time last Monday only to be told that I was denied on Oct 2. The csr told me the reason I was denied was because my address on the app didn't match the address on my EX report (I was one of the lucky ones that got pulled on both TU and EX). So I pulled up my EX report with the csr still on the phone with me and told her its exactly the same as what I put on the app. She put me on hold for a couple minutes and came back and told me it was because on my app I put "apt" in front of my apartment number but on my EX report it has "#". What?! Seriously?! I asked if she was sure if that was the only reason for my denial and apparently the underwriting department said it was. I was told to call Experian and have it corrected and reapply. The guy at EX told me that was one of the strangest reasons he's heard, told me both variations of my address were on my report and that I should reapply using the "#". And so I did and got the 7-15 day message. Got double pulled again, called a few days later and was told they couldn't find anything on the new app and to wait for the letter. At this point I gave up. Threw my hands in the air, scolded myself for apping first time as well as the second time, decided to throw myself a pity party with Baileys and coffee and a bunch of cookies and didn't think about it again until today.

After a craptastic day at work I check my mail and there it was all alone in the mailbox. Thinking it was finally the first denial letter I tore it open to see what the REAL reason for my denial was and it was my pin!!! I was approved!! Still can't believe the reason for my first denial was due to "apt" vs "#". I honestly didn't think it was such a big deal but it was for Diners. Now I'm just going to wait for my card to find out my limit and reflect on my roller coaster ride as a reminder to just garden.

If those are your most recent scores in sig, May I ask how much you were approved for?

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:45:38 GMT

I still haven't received my first denial letter and I'm not sure I ever will. lol Just glad this ride is over.

Re: Diners Club Roller Coaster

CreditMagic7 — Fri, 31 Oct 2014 05:46:17 GMT

CONGRATULATIONS!!!! ON THE DINER"S CLUB SURPRISE!!! APPROVAL!!

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:51:07 GMT

@Anonymous wrote:
@Anonymous wrote:
I stayed away from the forums for a while to try and garden and was doing well for until I decided to peak in and saw Diners Club app/approvals and all the excitement...and I fell off the wagon. Applied on Sept. 29 and received 7-15 day message. Called a few days later and csr couldn't tell me anything. Called back a couple days later and still nothing. So I let a full 2 weeks go by and call again and still nothing.

I decided to call one last time last Monday only to be told that I was denied on Oct 2. The csr told me the reason I was denied was because my address on the app didn't match the address on my EX report (I was one of the lucky ones that got pulled on both TU and EX). So I pulled up my EX report with the csr still on the phone with me and told her its exactly the same as what I put on the app. She put me on hold for a couple minutes and came back and told me it was because on my app I put "apt" in front of my apartment number but on my EX report it has "#". What?! Seriously?! I asked if she was sure if that was the only reason for my denial and apparently the underwriting department said it was. I was told to call Experian and have it corrected and reapply. The guy at EX told me that was one of the strangest reasons he's heard, told me both variations of my address were on my report and that I should reapply using the "#". And so I did and got the 7-15 day message. Got double pulled again, called a few days later and was told they couldn't find anything on the new app and to wait for the letter. At this point I gave up. Threw my hands in the air, scolded myself for apping first time as well as the second time, decided to throw myself a pity party with Baileys and coffee and a bunch of cookies and didn't think about it again until today.

After a craptastic day at work I check my mail and there it was all alone in the mailbox. Thinking it was finally the first denial letter I tore it open to see what the REAL reason for my denial was and it was my pin!!! I was approved!! Still can't believe the reason for my first denial was due to "apt" vs "#". I honestly didn't think it was such a big deal but it was for Diners. Now I'm just going to wait for my card to find out my limit and reflect on my roller coaster ride as a reminder to just garden.
If those are your most recent scores in sig, May I ask how much you were approved for?

My current TU 722 and EX 658. I don't know my limit yet...might just wait to get the card.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:51:13 GMT

Congratulations!...Thanks For Sharing.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:52:20 GMT

@CreditMagic7 wrote:
CONGRATULATIONS!!!! ON THE DINER"S CLUB SURPRISE!!! APPROVAL!!

LOL. I Love it!!!!

Re: Diners Club Roller Coaster

uswala — Fri, 31 Oct 2014 05:52:22 GMT

Congrats!

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 05:54:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I stayed away from the forums for a while to try and garden and was doing well for until I decided to peak in and saw Diners Club app/approvals and all the excitement...and I fell off the wagon. Applied on Sept. 29 and received 7-15 day message. Called a few days later and csr couldn't tell me anything. Called back a couple days later and still nothing. So I let a full 2 weeks go by and call again and still nothing.

I decided to call one last time last Monday only to be told that I was denied on Oct 2. The csr told me the reason I was denied was because my address on the app didn't match the address on my EX report (I was one of the lucky ones that got pulled on both TU and EX). So I pulled up my EX report with the csr still on the phone with me and told her its exactly the same as what I put on the app. She put me on hold for a couple minutes and came back and told me it was because on my app I put "apt" in front of my apartment number but on my EX report it has "#". What?! Seriously?! I asked if she was sure if that was the only reason for my denial and apparently the underwriting department said it was. I was told to call Experian and have it corrected and reapply. The guy at EX told me that was one of the strangest reasons he's heard, told me both variations of my address were on my report and that I should reapply using the "#". And so I did and got the 7-15 day message. Got double pulled again, called a few days later and was told they couldn't find anything on the new app and to wait for the letter. At this point I gave up. Threw my hands in the air, scolded myself for apping first time as well as the second time, decided to throw myself a pity party with Baileys and coffee and a bunch of cookies and didn't think about it again until today.

After a craptastic day at work I check my mail and there it was all alone in the mailbox. Thinking it was finally the first denial letter I tore it open to see what the REAL reason for my denial was and it was my pin!!! I was approved!! Still can't believe the reason for my first denial was due to "apt" vs "#". I honestly didn't think it was such a big deal but it was for Diners. Now I'm just going to wait for my card to find out my limit and reflect on my roller coaster ride as a reminder to just garden.
If those are your most recent scores in sig, May I ask how much you were approved for?
My current TU 722 and EX 658. I don't know my limit yet...might just wait to get the card.

Ah okay.

Might wanna update your sig a little bit, lol.

Congratulations again.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 06:39:04 GMT

Ah okay.
Might wanna update your sig a little bit, lol.
Congratulations again.

Sorry...I haven't been on in a while. lol

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 06:41:06 GMT

@Anonymous wrote:

Ah okay.
Might wanna update your sig a little bit, lol.
Congratulations again.
Sorry...I haven't been on in a while. lol

No worries. I was just curious since I had indeed seen some approvals in your previously posted score range.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 06:41:34 GMT

oh and I wanted to thank everyone. I really couldn't have gotten to where I am credit wise without all the knowledge I've gained from this forum. You guys are all amazing!!!

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 07:28:33 GMT

@Anonymous wrote:
I stayed away from the forums for a while to try and garden and was doing well for until I decided to peak in and saw Diners Club app/approvals and all the excitement...and I fell off the wagon. Applied on Sept. 29 and received 7-15 day message. Called a few days later and csr couldn't tell me anything. Called back a couple days later and still nothing. So I let a full 2 weeks go by and call again and still nothing.

I decided to call one last time last Monday only to be told that I was denied on Oct 2. The csr told me the reason I was denied was because my address on the app didn't match the address on my EX report (I was one of the lucky ones that got pulled on both TU and EX). So I pulled up my EX report with the csr still on the phone with me and told her its exactly the same as what I put on the app. She put me on hold for a couple minutes and came back and told me it was because on my app I put "apt" in front of my apartment number but on my EX report it has "#". What?! Seriously?! I asked if she was sure if that was the only reason for my denial and apparently the underwriting department said it was. I was told to call Experian and have it corrected and reapply. The guy at EX told me that was one of the strangest reasons he's heard, told me both variations of my address were on my report and that I should reapply using the "#". And so I did and got the 7-15 day message. Got double pulled again, called a few days later and was told they couldn't find anything on the new app and to wait for the letter. At this point I gave up. Threw my hands in the air, scolded myself for apping first time as well as the second time, decided to throw myself a pity party with Baileys and coffee and a bunch of cookies and didn't think about it again until today.

After a craptastic day at work I check my mail and there it was all alone in the mailbox. Thinking it was finally the first denial letter I tore it open to see what the REAL reason for my denial was and it was my pin!!! I was approved!! Still can't believe the reason for my first denial was due to "apt" vs "#". I honestly didn't think it was such a big deal but it was for Diners. Now I'm just going to wait for my card to find out my limit and reflect on my roller coaster ride as a reminder to just garden.

This comes down to data accuracy, which I have purported for years that neither the credit bureaus nor creditors care about, unless it means a denial reason. I've got my current address listed with #D as apartment on Experian and Equifax - it's a single family dwelling. Why? Some nimrod in auto finance department put it in when we bought our last car. That was the last "good" address reported by a "creditor" because you know us, "consumers" can't add crap like a proper address to our file, it has to be added by a the bureaur, creditor or otherwise. Or so it would seem. I've disputed it and they say the creditor reported it that way so it stays because I supoosedly provided the creditor with it. WTH. I am a software engineer of 20 years, data integrity is a must. I always make sure my apps have the current, proper, well formed data. Always app with consistent info, but in this case it was not me.

/end rant/

Congrats on the approval!!!!!

Re: Diners Club Roller Coaster

coldnmn — Fri, 31 Oct 2014 07:29:41 GMT

Congrats! Thanks for sharing.

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 09:13:03 GMT

Congrats on living through the total nonsense. Had a store card denied because of address before. Also one of the posters mentioned we can't update our addresses with the bureaus since we don't know where we live (rant) and yeah I understand. It took me four disputes with Experian and three with Equifax over three months this summer to get my addresses right!!! Rant ...rant ... rant! Oh, that is because I don't know where I have lived and own the house for four years.

Re: Diners Club Roller Coaster

alvon123 — Fri, 31 Oct 2014 10:06:21 GMT

congrats

Re: Diners Club Roller Coaster

aav — Fri, 31 Oct 2014 12:46:12 GMT

Congrats OP!

Re: Diners Club Roller Coaster

tmoney — Fri, 31 Oct 2014 12:56:40 GMT

I had the same thing happen with my application. They told me my address with experian wasn't verifying. I spoked with experian and they did have different variations of my addresss also. I called DC back and told them and they wanted me to reapply again. I'm not sure I want to take another hp again

@aav wrote:
Congrats OP!

Re: Diners Club Roller Coaster

Anonymous — Fri, 31 Oct 2014 16:17:32 GMT

I ended up taking 4 hardpulls for it so I'm hoping for a decent limit but at this point I'll take what I can I get. Afterall, they didn't have to extend me credit at all. I just hope the whole apartment number thing doesn't cause anymore hiccups.