topic Re: Declined??? in Credit Card Applications

Declined???

Anonymous — Sun, 29 Nov 2015 19:47:47 GMT

Thank you for applying for the Amazon.com Rewards Visa Card.
Unfortunately, an immediate decision about your application can not be provided as it requires further review. You will be notified in writing about the status of your application within 30 days.

Any hint of light from this. Hard decline or shimmer of hope?

Re: Declined???

Anonymous — Sun, 29 Nov 2015 20:20:57 GMT

Most likely hard decline.

Re: Declined???

Grafton88 — Sun, 29 Nov 2015 22:30:11 GMT

Think of why they would decline you? Low scores? Derogs? Burned their parent bank in a BK?

I am trying to use this approach when Apping for new cards.

Sometime you just have to wait for the letter and then call them.

Re: Declined???

Anonymous — Sun, 29 Nov 2015 22:39:15 GMT

I've never got "under review" before. Just straight declined. But this is my first app for Amazon, so.. Don't know what it means. Scores are 630s across all 3. No bk.

Re: Declined???

Anonymous — Sun, 29 Nov 2015 23:03:29 GMT

I think your chances would have been better for the store card with those scores.

Re: Declined???

Anonymous — Sun, 29 Nov 2015 23:18:17 GMT

30 days is usually good. If u call the automated telephone and it says 2 weeks then your more than likely approved and its a verification problem.

Re: Declined???

pizza1 — Sun, 29 Nov 2015 23:30:05 GMT

The Visa is backed by Chase, and the Store version is backed by Synchrony....2 different banks. You could call in to recon to Chase, and if its declined, you could apply for the store version, if you want to the store card version.

Re: Declined???

Anonymous — Sun, 29 Nov 2015 23:31:25 GMT

Call the automated line and see what it says. Two weeks is usually a good sign and 7 to 10 days could be a denial but neither one of those is set in stone. If it's not an instant approval you may see the within 10 days but up to 30 days message come up. Below is from my Disney Premier app and I called in about an hour later to the automated system and it gave me the two weeks message and about a week later it was approved.

Re: Declined???

CreditCuriosity — Mon, 30 Nov 2015 00:03:44 GMT

This is normal as a few others have stated.. My recent Ritz approval had a very similiar need more time to review at appllication followed by email of 30 days. What gives it away if the phone system usually. 7-10 days by automated phone system is usually denied and 2 week or 30 day by automated status line is a good thing. Best of luck!

Re: Declined???

Anonymous — Mon, 30 Nov 2015 03:16:29 GMT

I'm a 640's. Got 30 day message for United Explorer. 7 days later, Chase called me. Didn't answer. Auto line said 7-10 days. Called Backdoor number. It was Verification from the fraud department and I was approved after series of questions, ~~blood sample and goat sacrifice~~.

Wait it out.

Ta80...tell me you got the Darth Vader card. Let me live vicariously.

Re: Declined???

Anonymous — Mon, 30 Nov 2015 04:23:56 GMT

@Anonymous wrote:
I'm a 640's. Got 30 day message for United Explorer. 7 days later, Chase called me. Didn't answer. Auto line said 7-10 days. Called Backdoor number. It was Verification from the fraud department and I was approved after series of questions, ~~blood sample and goat sacrifice~~.
Wait it out.

Ta80...tell me you got the Darth Vader card. Let me live vicariously.

No I have the Mickey from Fantasia per my signature. Choose it because of my toddler who lives Mickey Mouse. She thinks it's the neatest thing in the world that Daddy's CC has Mickey on it. She picked it out. At least she didn't choose the Frozen one. If it had been up to me I would have gone with the Darth Vader one. I was born in the seventies so I grew up on the original Star Wars movies.