topic Almost approved? in Credit Card Applications

Almost approved?

Anonymous — Tue, 09 Jul 2019 19:13:22 GMT

So I decided to pull the trigger to see if I could get back in with Cap 1. I submitted my app for a secured card and it says "Good news! You are almost approved." And then says they need additional info and I'll hear from them in 7-10 days. Is this a polite passive aggressive way to deny me or something else?

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 19:16:17 GMT

It's pending approval until they receive the deposit and issue the card upon receipt.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 19:28:24 GMT

Hmm. It didn't even say anything about a deposit. I hope you are right, though!

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 19:37:37 GMT

Call them. That’s probably a verification message.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 19:45:07 GMT

That's what I am hoping it is. The prequal gave a fixed interest rate etc so I figured my chanced were pretty decent or I wouldn't have apped at all.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 20:16:36 GMT

Well give them a call and find out. Much better to call than wait for a letter.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 20:18:40 GMT

LOL trying to find the right number to call as we speak

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 20:20:08 GMT

1-800-903-9177

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 20:33:24 GMT

You're awesome, thanks!

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 20:53:03 GMT

Well an extremely nervous sounding 12 year old boy said he can see where some sort of letter has been generated but he cant see what is on it. He said right now I am not showing as approved or denied. Just pending review.

Re: Almost approved?

AverageJoesCredit — Tue, 09 Jul 2019 20:59:04 GMT

Good ol Cap One , 3 hps , one for esch decision that could be made...approved, denied, or limbo

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 21:17:42 GMT

@Anonymous wrote:
Well an extremely nervous sounding 12 year old boy said he can see where some sort of letter has been generated but he cant see what is on it. He said right now I am not showing as approved or denied. Just pending review.

Well that’s a new one. I guess you will see when you get your letter.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 21:28:42 GMT

I just googled it and it looks like your app got kicked to fraud verification. You can actually call and be transferred to that department or wait until they either call you or mail you a letter. I wish I kept the piece of paper I wrote their direct number on when the automated system rejected my phone number after I applied for my SavorOne.

Re: Almost approved?

Anonymous — Tue, 09 Jul 2019 21:33:41 GMT

1-800-955-7070

Re: Almost approved?

Anonymous — Wed, 10 Jul 2019 02:57:05 GMT

I'll give them a call tomorrow when I get off work. Thanks again!😁

Re: Almost approved?

Anonymous — Wed, 10 Jul 2019 14:57:06 GMT

Well. Can't get through at all on the fraud line. The regular li e isnow telling me to wait another 24-48 hours before calling to check because they still can't see what they are reviewing. At this pointIm just going to wait and see, but I'm pretty much assuming it's going to be a denial.Oh well, live and learn I guess!

Re: Almost approved?

Anonymous — Wed, 10 Jul 2019 15:03:00 GMT

Almost approved and then getting a denial in the end would be awful. Hopefully that’s not the case and it’s just a system glitch. They happen at times.