topic Re: Marriott Rewards 7-10 Day Message (Pending) in Credit Card Applications

Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Wed, 23 Sep 2015 01:45:21 GMT

I pulled the trigger on this card again. I received the same message almost 2 months ago, called lending and they denied me based off of too many inquiries and new accounts. Since then I have read on here that those that received this similar message did nothing and within a week or so find out that they were approved. I'm going to just sit tight and do nothing. If anybody has any further advice please feel free to chime in, but I am going to let this play itself out and see if it does the job.

Here is the message I received:

Thanks for applying.
We need to review your application a little longer.

We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.

Thanks for choosing Marriott Rewards® Premier Credit Card .

Re: Marriott Rewards 7-10 Day Message (Pending)

kdm31091 — Wed, 23 Sep 2015 01:59:00 GMT

I agree with your plan; it's generally best to just wait it out....don't call underwriting or anything.

Re: Marriott Rewards 7-10 Day Message (Pending)

CreditCuriosity — Wed, 23 Sep 2015 02:06:59 GMT

Wait! If you get a decline then recon at that point otherwise wait it out.. You can call the automated status line if it says 2 weeks you should be good, if it says 7-10 days on it then that isn't so good. Regardless wait it out until they reach out to you either by mail or phone or you receive the card in the mail

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Wed, 23 Sep 2015 02:08:29 GMT

@CreditCuriousity wrote:
Wait! If you get a decline then recon at that point otherwise wait it out.. You can call the automated status line if it says 2 weeks you should be good, if it says 7-10 days on it then that isn't so good. Regardless wait it out until they reach out to you either by mail or phone or you receive the card in the mail

I called the automated line and it says it is still being reviewed and they will get in touch with me within 7-10 days. I'll just sit tight.

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Wed, 23 Sep 2015 02:20:15 GMT

Here is the email I received concerning the application:

Chase Logo

Thank you for submitting a credit card application to Chase.

Here's what you can expect next:

We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision.

If we approve your application, we'll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.

If we don't approve your application, we'll send you a letter explaining why.

Thank you for applying for a Chase credit card

Re: Marriott Rewards 7-10 Day Message (Pending)

ddemari — Wed, 23 Sep 2015 04:21:38 GMT

op- although this is not a fact but more so is usually the outcome of the 7 to 10 day phone message, decline.

if it said 2 weeks or had some message that said nothing, id say wait it out for sure.

if you feel like you should get it, do the recon with them now. sounds like a decline so cant hurt.

Re: Marriott Rewards 7-10 Day Message (Pending)

ddemari — Wed, 23 Sep 2015 04:23:35 GMT

actually op, just ride it out maybe. if you get the decline letter, recon then. im torn because i strictly follow no calling for myself error regardless. but i get 2 weeks on the status line. if i got 7 to 10 day, id just accept it declined and not recon because i have so many of their cards, etc.

Re: Marriott Rewards 7-10 Day Message (Pending)

Gmood1 — Wed, 23 Sep 2015 10:14:20 GMT

I got the same message on my Hyatt app. The next week I received a letter stating I needed to call the fraud department. A few questions later, I was approved. Just wait it out. Still waiting on my card though. So far the longest wait I've had on a card.

Re: Marriott Rewards 7-10 Day Message (Pending)

Anonymous — Wed, 23 Sep 2015 11:29:42 GMT

Good luck to you. It's crappy to have to sit and wait for their decision! I was told by Chase when I applied for my Freedom account , it doesn't hurt to apply at a branch that you associate with. I don't know if this holds true for a co brand account though. My Freedom card was declined initially and then approved for 5k once I applied with a CSR at Chase. I have a diverse portfolio with them as well.

Re: Marriott Rewards 7-10 Day Message (Pending)

Anonymous — Wed, 23 Sep 2015 12:33:59 GMT

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Wed, 23 Sep 2015 13:38:25 GMT

Thanks for all of your advice and experiences. I'm just going to sit tight and wait for something to come in the mail, or see if the new card shows up on my chase account. If I am denied, I will only call in then to recon it. Not before, unless I have to get my identity verified. I'll keep everyone posted on what happens. From the posts from others, it may take a while to get an answer.

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Thu, 24 Sep 2015 14:43:04 GMT

Update:

I called verification and they verified who I am and then said that "lending" is handling this and that she was going to transfer me. I wasn't able to continue the call because I am at work, so I didn't speak with them.

Does everyone think I should still sit tight and wait for them to contact me via mail, phone or approval?

Re: Marriott Rewards 7-10 Day Message (Pending)

CreditCuriosity — Thu, 24 Sep 2015 15:13:28 GMT

@celticslegends wrote:
Update:

I called verification and they verified who I am and then said that "lending" is handling this and that she was going to transfer me. I wasn't able to continue the call because I am at work, so I didn't speak with them.

Does everyone think I should still sit tight and wait for them to contact me via mail, phone or approval?

Do not speak with lending unless you get a letter or they call you

Re: Marriott Rewards 7-10 Day Message (Pending)

dodgerslv — Thu, 24 Sep 2015 15:05:03 GMT

@CreditCuriousity wrote:
@celticslegends wrote:
Update:

I called verification and they verified who I am and then said that "lending" is handling this and that she was going to transfer me. I wasn't able to continue the call because I am at work, so I didn't speak with them.

Does everyone think I should still sit tight and wait for them to contact me via mail, phone or approval?
Do not spead with lending unless you get a letter or they call you

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Thu, 24 Sep 2015 15:24:07 GMT

@CreditCuriousity wrote:
@celticslegends wrote:
Update:

I called verification and they verified who I am and then said that "lending" is handling this and that she was going to transfer me. I wasn't able to continue the call because I am at work, so I didn't speak with them.

Does everyone think I should still sit tight and wait for them to contact me via mail, phone or approval?
Do not speak with lending unless you get a letter or they call you

Got it! I'll update once I hear something from them. I'm not calling them.

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Wed, 30 Sep 2015 21:55:08 GMT

I just wanted to let everyone know that I was denied the Marriott. I received the letter in the mail last week and called recon. I spoke to a nice guy and he basically said that they want me to show more time with the Slate I have. I do have a lot of inquiries, but he just said it's a time thing. I'll reapply at some point after the new year, or the Spring.

Re: Marriott Rewards 7-10 Day Message (Pending)

Anonymous — Thu, 01 Oct 2015 00:01:15 GMT

: ( Thanks for the update. I planned for it and apped during the beginning of summer - so I would have 6 months from April to use the free hotel voucher before it expires. That's something to think about if you haven't already done so. But definitely next year - try again!

Re: Marriott Rewards 7-10 Day Message (Pending)

celticslegends — Thu, 01 Oct 2015 02:44:08 GMT

@Anonymous wrote:
: ( Thanks for the update. I planned for it and apped during the beginning of summer - so I would have 6 months from April to use the free hotel voucher before it expires. That's something to think about if you haven't already done so. But definitely next year - try again!

Thanks! I'll make another post once I app again. Bummed I didn't get in, but what can I do? Just keep plugging away and stay focused. I will make it happen after the new year.

Re: Marriott Rewards 7-10 Day Message (Pending)

ojefferyo — Thu, 01 Oct 2015 17:44:12 GMT

Well at least you know what they want now.

Re: Marriott Rewards 7-10 Day Message (Pending)

taxi818 — Thu, 01 Oct 2015 20:08:41 GMT

@CreditCuriousity wrote:
Wait! If you get a decline then recon at that point otherwise wait it out.. You can call the automated status line if it says 2 weeks you should be good, if it says 7-10 days on it then that isn't so good. Regardless wait it out until they reach out to you either by mail or phone or you receive the card in the mail

+1 When i got that message it said we will let you know in 30 days. not 7-10 days. So i waited it out and got my card. I called two numbers. 1 said in 2 weeks. The othe said 30 days. But was told if it says 7-10 days on the automated line. It is not good news. But ymmv