topic Re: Aspiration Pending? in Credit Card Applications

Aspiration Pending? UPDATE: Denied

Anonymous — Wed, 08 Dec 2021 23:54:34 GMT

Anyone applied for the Aspiration card and got the application pending/under review notice?

Re: Aspiration Pending?

4sallypat — Mon, 06 Dec 2021 18:30:23 GMT

Mine was immediate approval - remember to unlock / thaw Experian first.

Do you have fraud alerts on your CRA ?

Re: Aspiration Pending?

Anonymous — Mon, 06 Dec 2021 18:33:51 GMT

No alerts and no HP yet either

Re: Aspiration Pending?

4sallypat — Mon, 06 Dec 2021 18:38:52 GMT

Try a different browser on your computer.

I got an immediate HP after they did a SP first with a SL ?

My SP offer was exactly the same as the HP approval - so did you get the SP approval before clicking accept/continue ?

Re: Aspiration Pending?

Anonymous — Mon, 06 Dec 2021 18:41:46 GMT

No SP approval with terms or denial just says pending review.

Re: Aspiration Pending?

scootyes89 — Mon, 06 Dec 2021 19:23:58 GMT

Yes! I am pending since yesterday after they asked for a front and back picture of my Driver's License and a selfie. I called to see if there was anything I could do and they said no, it was still pending. No terms or SL either.

Re: Aspiration Pending?

Anonymous — Mon, 06 Dec 2021 19:24:51 GMT

@Anonymous wrote:
Anyone applied for the Aspiration card and got the application pending/under review notice?

Yes, they contacted me two days after application they wanted me to send them a copy of my drivers license and had a few questions about my move from last year then said that I was approved for $20,000 SL

Thanks

Mark

Re: Aspiration Pending?

Goos — Tue, 07 Dec 2021 17:43:48 GMT

Kinda off topic but this card is a sp like apple then a hard pull if you say yes or no? But if declined just a sp ?

Re: Aspiration Pending?

scootyes89 — Tue, 07 Dec 2021 18:45:40 GMT

@Anonymous, let's keep each other posted here on this thread so we don't hijack someone elses!!

Re: Aspiration Pending?

4sallypat — Tue, 07 Dec 2021 19:22:46 GMT

@Goos wrote:
Kinda off topic but this card is a sp like apple then a hard pull if you say yes or no? But if declined just a sp ?

Yes, the Aspiration card is a SP first and if you accept, it will be a HP.

Just like the Apple Card, BlockFi, X1, etc...

Re: Aspiration Pending?

Goos — Tue, 07 Dec 2021 19:34:51 GMT

Guess not if you are declined . Definitely got a hp . Again off topic but the sp thing must be a ymmv thing .

Re: Aspiration Pending?

FinStar — Tue, 07 Dec 2021 20:02:20 GMT

@Goos wrote:
Guess not if you are declined . Definitely got a hp . Again off topic but the sp thing must be a ymmv thing .

If declined for some of them, they can still be HP, but the pre-qualification is only step 1 until they run everything through. AFAIK, X1 is still SP if declined. SoFi is SP if declined -- the only thing with SoFi is that no CL or APR is displayed when submitting the app until approved.

Re: Aspiration Pending?

scootyes89 — Tue, 07 Dec 2021 20:20:51 GMT

Approved for $9,800!!!! Just got the email.

Re: Aspiration Pending?

Anonymous — Tue, 07 Dec 2021 20:30:41 GMT

My app was denied. They still did an Experian HP. Weird as my DP's are better than a lot of people getting approvals.

Re: Aspiration Pending?

FinStar — Tue, 07 Dec 2021 20:38:13 GMT

@Anonymous wrote:
My app was denied. They still did an Experian HP. Weird as my DP's are better than a lot of people getting approvals.

@Anonymous

Keep in mind that "better" is really subjective. You have no access to everything you see posted here or elsewhere. Most folks provide very limited details about their profiles, so it's going to be difficult to gauge how a particular lender made their decision -- whether it's scores, profile depth, utilization, AAoA, etc. So, you're only looking at things from one lens.

On the upside, once you learn the reason(s), you can optimize things to reapply again if you wish to do so.

Re: Aspiration Pending?

Goos — Tue, 07 Dec 2021 20:48:56 GMT

@Anonymous wrote:
My app was denied. They still did an Experian HP. Weird as my DP's are better than a lot of people getting approvals.

Glad I'm not alone in the HP denial . It is what it is . But good for others to know . I got no reasons for denial nor a promise of an email or letter with said reasons . Live and learn . I would have wasted the HP on something else but oh well. Got caught up in the excitement haha . Hopefully I hear from them because I am curious to why .

Re: Aspiration Pending?

Anonymous — Tue, 07 Dec 2021 21:26:20 GMT

I have had some HP denials in the past. No one likes them. I have done my homework too in the past to only apply for cards I was sure to be approved on yet was denied. It has not happened to me very often but a few time is enough. Again, no one likes them and it lingers on us all for two years. But if we want cards it is all part of it. In the end we end up with a nice assortment afterall. So don't let a denial get you down

Thanks

Mark

Re: Aspiration Pending?

Goos — Tue, 07 Dec 2021 21:34:49 GMT

@Anonymous wrote:
I have had some HP denials in the past. No one likes them. I have done my homework too in the past to only apply for cards I was sure to be approved on yet was denied. It has not happened to me very often but a few time is enough. Again, no one likes them and it lingers on us all for two years. But if we want cards it is all part of it. In the end we end up with a nice assortment afterall. So don't let a denial get you down
Thanks
Mark

I'm just more miffed that if pre-approved no hit HP unless you accept . Just seems a little backwards . Oh well on to the next one .

Re: Aspiration Pending?

4sallypat — Wed, 08 Dec 2021 14:58:47 GMT

@Anonymous wrote:
My app was denied. They still did an Experian HP. Weird as my DP's are better than a lot of people getting approvals.

Did you get the SP pre-approval before you accepted ?

The SP pre-approval is pretty solid with a CL and APR rate.

HP is incurred only after you accept the SP pre-approval.

Re: Aspiration Pending?

Goos — Wed, 08 Dec 2021 15:32:22 GMT

@4sallypat wrote:
@Anonymous wrote:
My app was denied. They still did an Experian HP. Weird as my DP's are better than a lot of people getting approvals.

Did you get the SP pre-approval before you accepted ?

The SP pre-approval is pretty solid with a CL and APR rate.

HP is incurred only after you accept the SP pre-approval.

I was not offered a sp approval with option to accept . I was declined with no explanation and a HP . So if you don't prequalify I think it's HP regardless . I'm a no risk no reward guy so it is what it is . But it's not a sp unless you are approved with option to accept.