topic Re: Sync JCP Late Pull in Credit Card Applications

Sync JCP Late Pull

Anonymous — Tue, 15 Dec 2015 16:36:31 GMT

At the end of the last month, the wife and I were shopping and she wanted the 25% off that JCP was offering at the time since it was a fairly large purchase.

I figured since my "spree" had just tanked my INQ, I might as well save the 25% and bury one more INQ since I was just entering the garden.

The cashier really seemed out of her element(shocker), and there was no immediate result and all of my trackers remained quiet.

I assumed 7-10 day or something as she just handed me a little receipt with a reference number on it and shoved it into the store flyer.

For about 2 weeks I noticed that there was never a pull, for which I was grateful and assumed that Synch simply denied based off of SP, internal stored pulls or something.

This weekend I recieved an alert that they FINALLY pulled (12/13)... WTH? *smh*

Oh well... denied as expected, just need to add a few weeks to my garden date right?

Nope... Notification this morning of a new trade on EX. JCP $400. Talk about delayed. Honestly, I'm not wanting it and kinda wishing I hadn't pulled.

I am teetering on killing Cred1 about 6mo pre-AF... just to clean up all the small limits early.

Anyone else get that long of a delayed pull?

Re: Sync JCP Late Pull

Anonymous — Tue, 15 Dec 2015 16:40:23 GMT

My JCP is 10+ years old and the discounts/promos have been good. It is one of my oldest. It grows with time.

Re: Sync JCP Late Pull

newhis — Tue, 15 Dec 2015 20:22:12 GMT

My DW jcp card from $400 to $5,000 in less than a year. Good luck.

Re: Sync JCP Late Pull

datrucking210 — Tue, 15 Dec 2015 23:24:35 GMT

Sorry OP for the denial.

I had a similar experience with my Sam's Club CC app last month online. I didn't get an immediate decision and didn't see a pull till a week later but I was approved for the MC version and that same day my account was reported on TU. Don't know about the lag time between apping and inquiry.

Re: Sync JCP Late Pull

Anonymous — Wed, 16 Dec 2015 01:11:48 GMT

@datrucking210 wrote:
Sorry OP for the denial.

I had a similar experience with my Sam's Club CC app last month online. I didn't get an immediate decision and didn't see a pull till a week later but I was approved for the MC version and that same day my account was reported on TU. Don't know about the lag time between apping and inquiry.

I didn't get denied. Just sore over the late pull.

They approved for $400 according to my report. But it's the 2+ week wait that kinda tweaked me a little.

I was prepared for a approval or denial at the time since I was entering the garden.

Yes it's trivial being disturbed by 2 weeks, but the $400 approval just rubbed salt in the wound... I coulda burned that inquiry on something useful.

Honestly, I could call for recon but... my last few recon calls were unsuccessful for cli. Newegg flat out refused to go above the initial $500.

Eh, $400 at JCP might come in handy when the weather changes I guess... I could handle a few non-Harley shirts.

Re: Sync JCP Late Pull

Anonymous — Wed, 16 Dec 2015 04:15:43 GMT

I had the same thing happen to me. Last month among many other apps I pulled the trigger to apply for did not get an instant decision, haven't seen any pulls from several of the apps then totally forgot about it. Just two ago out of no where now get several alerts >.< JCP, BP, Stash all pulled I'm the hell lol. but I was approved for them all.