topic Re: BMO Harris New CC Approval + Account Timing in Credit Card Approvals

BMO Harris New CC Approval + Account Timing

gregorius — Sat, 17 Apr 2021 12:52:56 GMT

After spending a few hours in March scouring the internet for similar DPs to no avail, I'm reporting my experience for the timeline and progression from BMO Harris card approval to card reporting to the bureaus. Feel free to add on your own experiences.

Takeaway: BMO Harris takes 1 full business day after approval for cards to be displayed in online banking. Saturday doesn't count. The 1st statement cuts one month later, and the account is reflected on credit reports two days after that.

Applied for a CC online on Friday 3/12, mid-morning (I already had a checking account). Card was instantly approved after a TU HP. The auto-approval was a pleasant surprise (ETA - 9/24, 2/12, 1/6)
Card showed up in online banking late Monday (3/15). I first saw it around 11pm CST, so it was probably part of their nightly updates/processing for Tuesday
CC was delivered on 3/19
AF posted the night of 3/31, consistent with other BMO Harris accounts, which post late on the last day of the month
First statement cut 4/12
New account visible on all 3 CRs on 4/15 - CK and Experian alerts trickled in throughout the day

Re: BMO Harris New CC Approval + Account Timing

blindambition — Fri, 16 Apr 2021 03:00:01 GMT

Congrats on your approval!!! Thanks for sharing your timeline and DP!!

Re: BMO Harris New CC Approval + Account Timing

AllZero — Fri, 16 Apr 2021 03:17:01 GMT

Congratulations on your approval! Thank you for sharing the data points.

Re: BMO Harris New CC Approval + Account Timing

CreditAggie — Fri, 16 Apr 2021 03:46:54 GMT

Congratulations on your BMO Harris approval! Thank you for sharing!

Re: BMO Harris New CC Approval + Account Timing

Anonymous — Fri, 16 Apr 2021 06:33:35 GMT

Congratulations on your approval! 🥳🥳🥳

Re: BMO Harris New CC Approval + Account Timing

M_Smart007 — Fri, 16 Apr 2021 11:09:43 GMT

Congratulations on your BMO Harris approval! ...

Re: BMO Harris New CC Approval + Account Timing

gdale6 — Fri, 16 Apr 2021 15:14:07 GMT

Grats on your BMO Harris approval

Re: BMO Harris New CC Approval + Account Timing

KLEXH25 — Sat, 17 Apr 2021 04:17:18 GMT

Congratulations on your approval, and thanks for the DPs!

Re: BMO Harris New CC Approval + Account Timing

SPChaser — Sat, 17 Apr 2021 11:42:04 GMT

Congrats on your BMO Harris approval!

Re: BMO Harris New CC Approval + Account Timing

Mr_Mojo_Risin — Sat, 17 Apr 2021 13:37:24 GMT

Thanks for providing your DP's, congratulations on your new CC!

Re: BMO Harris New CC Approval + Account Timing

Credit4Growth — Sat, 24 Apr 2021 23:03:31 GMT

Congratulations on the approval 👏 🙌 👌

Re: BMO Harris New CC Approval + Account Timing

mrcraft — Sat, 24 Apr 2021 23:11:22 GMT

Congratulations on your approval!!

Re: BMO Harris New CC Approval + Account Timing

kittycreditmeow — Sat, 24 Apr 2021 23:18:33 GMT

Congratulations on the approval! 🙂

Re: BMO Harris New CC Approval + Account Timing

Demented1 — Sat, 24 Apr 2021 23:25:16 GMT

Congrats @gregorius for your BMO Harris approval…enjoy the card!

Re: BMO Harris New CC Approval + Account Timing

NextUp2bat — Wed, 14 Jul 2021 08:01:30 GMT

Congrats on your approval. What was SL if you don't mind sharing it?