topic Re: Virgin America??? in Credit Card Applications

Virgin America???

Anonymous — Fri, 28 Aug 2015 15:57:11 GMT

So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 16:04:10 GMT

@Anonymous wrote:
So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??

Someone here had the exact scenario and was denied....the reason, he provided a piece of wrong info on the app by mistake which didnit match when Virgin America ran the CR. I think he/she was going to have to wait month/months to reapply.

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 16:10:12 GMT

@Anonymous wrote:
@Anonymous wrote:
So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??
Someone here had the exact scenario and was denied....the reason, he provided a piece of wrong info on the app by mistake which didnit match when Virgin America ran the CR. I think he/she was going to have to wait month/months to reapply.

But in my case I didn't provide any wrong information.... everything match and she didn't ask any questions

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 16:11:54 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??
Someone here had the exact scenario and was denied....the reason, he provided a piece of wrong info on the app by mistake which didnit match when Virgin America ran the CR. I think he/she was going to have to wait month/months to reapply.
But in my case I didn't provide any wrong information.... everything match and she didn't ask any questions

Umm, then you'll just have to wait for the letter, or better yet, the card. Sorry i can't be of more help.

Hope you get it

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 16:25:29 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??
Someone here had the exact scenario and was denied....the reason, he provided a piece of wrong info on the app by mistake which didnit match when Virgin America ran the CR. I think he/she was going to have to wait month/months to reapply.
But in my case I didn't provide any wrong information.... everything match and she didn't ask any questions
Umm, then you'll just have to wait for the letter, or better yet, the card. Sorry i can't be of more help.

Hope you get it

Thanks! I'll just take it as a denial....... mad I wasted a Hp

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 16:27:28 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I applied for Virgin America on 8/13 called in today to check the status of app.... was told a letter was sent on 8/19 for me to call in..... I asked if she can email it to me bcus I didn't receive it yet.... the reps said yes asked my email n said I would recieve it in a few minutes.... I got the email called in an asked to verify my name. address, and last 4 of social...... she then said they needed to verify some question with me, placed me on hold.. then came back on the phone and aid they already verified everything and it's being processed now I will either receive my card or letter in 7-10days!!! WHAT??? somebody please tell me what's going on here??
Someone here had the exact scenario and was denied....the reason, he provided a piece of wrong info on the app by mistake which didnit match when Virgin America ran the CR. I think he/she was going to have to wait month/months to reapply.
But in my case I didn't provide any wrong information.... everything match and she didn't ask any questions
Umm, then you'll just have to wait for the letter, or better yet, the card. Sorry i can't be of more help.

Hope you get it
Thanks! I'll just take it as a denial....... mad I wasted a Hp

dont give up just yet

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 18:26:28 GMT

I wonder if they tried to pull one of my other reports. They already pulled EQ when I applied.....EX and TU are frozen

Re: Virgin America???

CreditCuriosity — Fri, 28 Aug 2015 18:33:36 GMT

@Anonymous wrote:
I wonder if they tried to pull one of my other reports. They already pulled EQ when I applied.....EX and TU are frozen

They need access to EXP even though they don't HP.. Not good as they use it as validation by SP through a third party or something weird.. Probably a denial if Exp was froozen.. Best of luck though! I have just read alot and make sure my Eq/Exp was unfroozen when I applied for Total Rewards due to this scenario.

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 19:01:02 GMT

I get why people freeze their reports but when you freeze 2 of 3 it's not hard to understand why approvals are difficult to come by. The freezing of credit reports is not designed for the purpose of preventing creditors from checking that report when you apply for credit.

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 19:09:20 GMT

To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everyday

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 19:12:49 GMT

I thought they can still SP with a frozen report?

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 19:13:25 GMT

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 19:18:56 GMT

@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everyday

Yeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.

Re: Virgin America???

CreditCuriosity — Fri, 28 Aug 2015 19:29:58 GMT

@Anonymous wrote:
@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everyday
Yeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.

Comenity is famous for this... They use some third party and Exp must be unfroozen even though it is just a SP, really weird.. Don't understand it myself, just read up on it before through this site and found out possible reasons for denials and Experian/Eq being froozen was it as they HP one and SP the other. For some reason the SP won't go through by their method with a freeze in place. Live and learn. Hopefully it still works out for you somehow

Hopefully CA or B can comment on this as they both have had this issue to I believe and I believe that is how I found out about this.

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 20:05:13 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everyday
Yeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.
Comenity is famous for this... They use some third party and Exp must be unfroozen even though it is just a SP, really weird.. Don't understand it myself, just read up on it before through this site and found out possible reasons for denials and Experian/Eq being froozen was it as they HP one and SP the other. For some reason the SP won't go through by their method with a freeze in place. Live and learn. Hopefully it still works out for you somehow

Hopefully CA or B can comment on this as they both have had this issue to I believe and I believe that is how I found out about this.

While I have no experience with reports being frozen, I can say for sure that when I app'd for PayPal Credit, I got a HP on EQ and a SP on EX. I haven't app'd for any of their Visa/Mastercards, but I can only imagine they will do the same thing for them.

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 20:51:44 GMT

There's always a possibility they will pull from a different report so why not unfreeze them all before apping?

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 21:00:24 GMT

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 22:07:07 GMT

Just spoke to another rep n it was definitely a denial.... At least I know what to do before apping for another Comenity card........

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 22:10:26 GMT

@Anonymous wrote:
Just spoke to another rep n it was definitely a denial.... At least I know what to do before apping for another Comenity card........

Sorry to hear that. Did they say the reason for denial? Also, were you pre-approved for this card or did you cold app?

Re: Virgin America???

Anonymous — Fri, 28 Aug 2015 22:52:41 GMT

She wouldn't tell me the reason but the rep I spoke to before I was transferred told me they had to ask some security questions which they never did because I have my other reports frozen smh... She said I'll get a letter explaining why.... And no pre-approval I just applied