topic Re: AAA Daily Advantage Visa in Credit Card Applications

AAA Daily Advantage Visa

Throttle — Sat, 19 Jul 2025 21:17:45 GMT

Riding off the high of my Costco approval I figured i'd try my shot at getting a grocery card. Applied for AAA DailyAdvantage Visa. They HP EX. Got the 7-10 days notification. Anyone know if 7-10 is different than 10-14?

What sucks is i've apped a few times and never actually get the denial letter in the mail.

Re: AAA Daily Advantage Visa

coldfusion — Sat, 19 Jul 2025 21:40:07 GMT

With Synchrony 10-14 days is more commonly associated with their releasing back credit limit on a new-ish card after payment has posted to make absolutely sure that the payment won't get clawed back due to insufficient funds. 7-10 days leans toward a denial but it can also mean that they'll be sending you a letter with instructions to follow to verify it was really you who applied. They don't have to send you a physical letter to inform you of a denial but they do have to notify you (check your email including your spam folder). If you've heard nothing from them in 30 days you can file a FDIC complaint online against Synchrony for failure to notify you of the outcome of your application.

Re: AAA Daily Advantage Visa

House1204 — Sun, 20 Jul 2025 01:13:43 GMT

@coldfusion wrote:
With Synchrony 10-14 days is more commonly associated with their releasing back credit limit on a new-ish card after payment has posted to make absolutely sure that the payment won't get clawed back due to insufficient funds. 7-10 days leans toward a denial but it can also mean that they'll be sending you a letter with instructions to follow to verify it was really you who applied. They don't have to send you a physical letter to inform you of a denial but they do have to notify you (check your email including your spam folder). If you've heard nothing from them in 30 days you can file a FDIC complaint online against Synchrony for failure to notify you of the outcome of your application.

I thought the AAA card was issued by Comenity?

Re: AAA Daily Advantage Visa

FicoMike0 — Sun, 20 Jul 2025 02:06:31 GMT

Does comenity suck less than sync?

Re: AAA Daily Advantage Visa

pizzadude — Sun, 20 Jul 2025 16:37:41 GMT

@House1204 wrote:
@coldfusion wrote:
With Synchrony 10-14 days is more commonly associated with their releasing back credit limit on a new-ish card after payment has posted to make absolutely sure that the payment won't get clawed back due to insufficient funds. 7-10 days leans toward a denial but it can also mean that they'll be sending you a letter with instructions to follow to verify it was really you who applied. They don't have to send you a physical letter to inform you of a denial but they do have to notify you (check your email including your spam folder). If you've heard nothing from them in 30 days you can file a FDIC complaint online against Synchrony for failure to notify you of the outcome of your application.
I thought the AAA card was issued by Comenity?

It is issued by Comenity, guessing the above reference to Synchrony was a typo

Re: AAA Daily Advantage Visa

14YHWH — Sat, 26 Jul 2025 05:22:35 GMT

Hi @Throttle - which State are you in?

I only ask because I am considering the AAA card as well and I'm not sure which bureau Comenity pulls from in California.

Thanks.

Re: AAA Daily Advantage Visa

Jeffster1 — Sat, 26 Jul 2025 07:39:58 GMT

@14YHWH I am in Los Angeles. I have three Comenity cards: AAA, Bread Amex and Saks MC.

Comenity HP'd EQ for my AAA and Bread Amex applications in October 2022. Both were approved. My Saks MC was approved with no HP at all in October 2024.

Re: AAA Daily Advantage Visa

Throttle — Sun, 27 Jul 2025 00:32:43 GMT

@14YHWH wrote:
Hi @Throttle - which State are you in?

I only ask because I am considering the AAA card as well and I'm not sure which bureau Comenity pulls from in California.

Thanks.

I'm in Illinois.

Re: AAA Daily Advantage Visa

northway — Sun, 27 Jul 2025 01:00:08 GMT

Pending with Comenity is either ID verification or a decline (cannot recon).

Re: AAA Daily Advantage Visa

Throttle — Sun, 27 Jul 2025 17:59:42 GMT

Thanks to another posters DP of having his Lexis locked, I cold called the account protection number. They indicated I had a bureau locked. Found out it was Lexis, then proceeded to battle with Lexis to get it temporarily unlocked. After multiple calls back and forth Lexis<->Acct protection I was able to get approved for ~6k credit line!

Unfortunately I got a second Experian hard pull though which I did not authorize -.-. Not sure if I should battle or not.

Re: AAA Daily Advantage Visa

coldfusion — Sun, 27 Jul 2025 18:20:33 GMT

@Throttle wrote:
Thanks to another posters DP of having his Lexis locked, I cold called the account protection number. They indicated I had a bureau locked. Found out it was Lexis, then proceeded to battle with Lexis to get it temporarily unlocked. After multiple calls back and forth Lexis<->Acct protection I was able to get approved for ~6k credit line!

Unfortunately I got a second Experian hard pull though which I did not authorize -.-. Not sure if I should battle or not.

Congrats on the approval - insofar as starting a battle you can ask Bread/Comenity to withdraw the 2nd hard pull. If they decline to do so, let it go.

Re: AAA Daily Advantage Visa

14YHWH — Tue, 05 Aug 2025 05:25:43 GMT

I also got the 7-10 notification ...... hopefully it's just to verify identity ....

Re: AAA Daily Advantage Visa

Legendary70 — Tue, 05 Aug 2025 20:30:11 GMT

what is a recon here on this site?

Re: AAA Daily Advantage Visa

Vinjints — Tue, 05 Aug 2025 22:04:18 GMT

Recon - reconsideration. Most often I see it as people being denied, or with lower limits, that call in to speak to a human to try to get approvals or better terms.

Re: AAA Daily Advantage Visa

Yasselife — Fri, 08 Aug 2025 10:18:11 GMT

Congrats again on the Costco approval; that’s a great win. As for the 7–10 vs. 10–14 day message; they usually mean the same thing; further review or pending decision; and unfortunately, it often ends up being a denial. Sometimes it can still turn into an approval if they just need to verify something; but I wouldn’t count on it without additional contact from the lender. Hopefully you’ll get the letter this time so you at least know the exact reason.

Re: AAA Daily Advantage Visa

PostClerk — Fri, 08 Aug 2025 13:55:34 GMT

When I applied last week, it came back for me to call a number. So I did and answered some personal questions and was approved. Card arrived yesterday.

Re: AAA Daily Advantage Visa

PostClerk — Fri, 08 Aug 2025 13:59:21 GMT

It was a double pull here in TX on EQ & EX

Re: AAA Daily Advantage Visa

14YHWH — Mon, 11 Aug 2025 23:00:50 GMT

Just recv'd the letter from Comenity today re: the 7-10 business days notification ......

They want me to unfreeze:

1. Experian

2. Equifax

3. Innovis

4. SageStream/LexisNexis

It's a shame because I previously unfroze Equifax and Innovis for them, but I guess they wanted more.

Looks like they'll be doing a double-pull from Equifax - just like the other user here wrote about too When I call, I'll see if they can use my prior pull, but I am not holding my breath.

As a dp, I'm in California - so other users in The Golden State will want to unfreeze the 4 above when you apply for the AAA card w/ Comenity.