topic Re: Capital One Wal-Mart 7-10 day message in Credit Card Applications

Capital One Wal-Mart 7-10 day message

Beast26 — Wed, 01 Apr 2020 23:52:15 GMT

Applied for the Walmart MasterCard today and got the wait for 7-10 day message.

Exp: 733. ~2 1/2 yrs AAOA

Eq: 737. ~6yrs AAOA

TU:741. ~6yrs AAOA

2 auto inquiries in the past 6 months

7 months revolving history. What do I do?

Re: Capital One Wal-Mart 7-10 day message

AllZero — Wed, 01 Apr 2020 23:57:12 GMT

Good luck on your application!

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Thu, 02 Apr 2020 00:02:07 GMT

Should I call them or just wait? I have a Quicksilver with them for 6 months as well so I thought it would be a no brainer and an instant approval. I guess not.

Re: Capital One Wal-Mart 7-10 day message

TattnallTrio — Thu, 02 Apr 2020 04:32:16 GMT

Check your spam/junk folder. They may have sent you an email with a link that's requesting you to upload your driver's license. They did for me

Re: Capital One Wal-Mart 7-10 day message

Anonymous — Thu, 02 Apr 2020 08:01:29 GMT

If you don’t hear from them soon you could always call to see if it’s a verification issue.

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Thu, 02 Apr 2020 09:21:17 GMT

I don't have anything in spam. What number should I call?

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Thu, 02 Apr 2020 22:32:37 GMT

I got declined!

Credit history length too low, insufficient experience with high lines of credit, too many personal loans.

Should I just get a discover it cash back and hit the garden or should I work on increasing my limit on my $500 Quicksilver?

Re: Capital One Wal-Mart 7-10 day message

AllZero — Fri, 03 Apr 2020 00:00:28 GMT

@Beast26 wrote:
I got declined!
Credit history length too low, insufficient experience with high lines of credit, too many personal loans.

Should I just get a discover it cash back and hit the garden or should I work on increasing my limit on my $500 Quicksilver?

That is unfortunate.

Is the Quicksilver the only card you have?

Did you check out the Discover prequal site? Did you get any offers?

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Fri, 03 Apr 2020 01:48:52 GMT

Yes I pre-qualified and applied for the discover 5% cash back version. I got declined for that too. Now at a loss. Is there a recon for it and should I waste my time? My only other card is a opensky secured card.

Re: Capital One Wal-Mart 7-10 day message

AllZero — Fri, 03 Apr 2020 01:53:54 GMT

@Beast26 wrote:
Yes I pre-qualified and applied for the discover 5% cash back version. I got declined for that too. Now at a loss. Is there a recon for it and should I waste my time? My only other card is a opensky secured card.

Well, that sucks. What was the Discover denial reasons? Was it similar to Capital One?

Re: Capital One Wal-Mart 7-10 day message

Remedios — Fri, 03 Apr 2020 01:55:30 GMT

What were the reasons listed for denials?

That typically tells you what you need to work on (utilization, negatives etc), or wait for (such as longer credit history).

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Fri, 03 Apr 2020 01:55:56 GMT

They said they will send the reasons why in 7-10 days

Re: Capital One Wal-Mart 7-10 day message

AllZero — Fri, 03 Apr 2020 01:58:26 GMT

@Beast26 wrote:
They said they will send the reasons why in 7-10 days

From reading data points, I don't think Discover does reconsideration.

Re: Capital One Wal-Mart 7-10 day message

Beast26 — Fri, 03 Apr 2020 02:07:02 GMT

Maybe I need a year of revolving history.