topic Re: Instant approval may seem petty to some but for me this is a first in Credit Cards

Instant approval may seem petty to some but for me this is a first

toytoy — Fri, 17 Feb 2012 15:53:27 GMT

It is quite funny that over the past year I have gotten $14000 cc limits and what not but to actually walk in a store and get instant approval is a milestone for me. Usually when I apply for something I get the dreaded 3-7 day notice. 99% of the time the card is approved but I have never had the satisfaction of being instantly approved. So today I went to Old Navy to do some shopping for my up coming trip to CA and the lady at the register said would you like to save 25% so I said sure why not when I usually decline. So we went through the whole app process and I am waiting to hear the ohhh we will notify you by mail but she said congrays you have been approved for the Old Navy Card. So I said ohhhh ty thinking I was just approved for the store card. I get in the car and read it and it was a limit of $1000 and it was actually for the Old Navy Visa card. Now I know this doesn't have the best APR and its only a $1000 limit but still this is a milestone in my book.

Re: Instant approval may seem petty to some but for me this is a first

Open123 — Fri, 17 Feb 2012 15:56:56 GMT

Likewise, I almost never get an instant approval on an application, except for AmEx or Barclays.

Everyone else will always reply with "further processing needed."

Congrats on your instant approval. Must feel great! Even to this day, I still never app in a store for the risk of an embarassing decline or the dreaded "further processing needed."

Re: Instant approval may seem petty to some but for me this is a first

Anonymous — Fri, 17 Feb 2012 15:57:32 GMT

Grats, who cares about the APR if you're not going to carry a balance. *wink wink*
BTW, from reading these forums, I see a lot of people that'd kill for an opening balance of 1000 from a store card.

So, grats!!!

Re: Instant approval may seem petty to some but for me this is a first

toytoy — Fri, 17 Feb 2012 16:01:28 GMT

@Open123 wrote:
Likewise, I almost never get an instant approval on an application, except for AmEx or Barclays.

Everyone else will always reply with "further processing needed."

Congrats on your instant approval. Must feel great! Even to this day, I still never app in a store for the risk of an embarassing decline or the dreaded "further processing needed."

Lmao Open I only did it because I was the only one in the store so if I was declined no one else would hear so I completely feel your pain. It feels great!!!!

Re: Instant approval may seem petty to some but for me this is a first

toytoy — Fri, 17 Feb 2012 16:03:26 GMT

@Anonymous wrote:
Grats, who cares about the APR if you're not going to carry a balance. *wink wink*
BTW, from reading these forums, I see a lot of people that'd kill for an opening balance of 1000 from a store card.

So, grats!!!

You are quite right. This card will be paid in full and SD.

I know I usually expect around 500 or so. So they just give you a receipt with the limit and its your temp card until yours arrives in the mail. I do believe this is my highest store card so one more thing to be happy about.

Thank u!!!!!

Re: Instant approval may seem petty to some but for me this is a first

JusdoNit — Fri, 17 Feb 2012 18:04:49 GMT

Congrats and enjoy your trip to sunny Cali

Re: Instant approval may seem petty to some but for me this is a first

JustMe77 — Fri, 17 Feb 2012 18:46:06 GMT

I understand the feeling

Congrats on the Old Navy card, a $1000 limit for their store card is actually pretty high for them. GE is great about automatic credit limit increases, too. I really like my BR Visa (used to be a BR store card). You will get a *ton* of email and mail coupons from them. I haven't paid full price for anything at their stores (Gap, ON, etc.) since opening the card.

Re: Instant approval may seem petty to some but for me this is a first

CreditCrusader — Sat, 18 Feb 2012 00:27:14 GMT

@JustMe77 wrote:
I understand the feeling

Congrats on the Old Navy card, a $1000 limit for their store card is actually pretty high for them. GE is great about automatic credit limit increases, too. I really like my BR Visa (used to be a BR store card). You will get a *ton* of email and mail coupons from them. I haven't paid full price for anything at their stores (Gap, ON, etc.) since opening the card.

Actually, OP was approved for ON VISA card...which is a heck of a lot better than what many of us get saddled with (ON store card...$200 limit here )

Re: Instant approval may seem petty to some but for me this is a first

toytoy — Sat, 18 Feb 2012 01:53:11 GMT

@CreditCrusader wrote:
@JustMe77 wrote:
I understand the feeling

Congrats on the Old Navy card, a $1000 limit for their store card is actually pretty high for them. GE is great about automatic credit limit increases, too. I really like my BR Visa (used to be a BR store card). You will get a *ton* of email and mail coupons from them. I haven't paid full price for anything at their stores (Gap, ON, etc.) since opening the card.

Actually, OP was approved for ON VISA card...which is a heck of a lot better than what many of us get saddled with (ON store card...$200 limit here )

You are correct creditcrusader. It is the ON VISA card and not just the regular store card. I had assumed that even if I did get approved it would be for the store card but when they gave me my temp pass it is for the VISA card. Some say the $1000 limit is just a temp thing and it may actually be higher than that. $200 what are you supposed to buy with that?

Re: Instant approval may seem petty to some but for me this is a first

toytoy — Sat, 18 Feb 2012 02:01:49 GMT

@JusdoNit wrote:
Congrats and enjoy your trip to sunny Cali

Tyx2. I have never been and getting nervous and excited at the same time.

Re: Instant approval may seem petty to some but for me this is a first

toytoy — Sat, 18 Feb 2012 02:02:30 GMT

@JustMe77 wrote:
I understand the feeling

Congrats on the Old Navy card, a $1000 limit for their store card is actually pretty high for them. GE is great about automatic credit limit increases, too. I really like my BR Visa (used to be a BR store card). You will get a *ton* of email and mail coupons from them. I haven't paid full price for anything at their stores (Gap, ON, etc.) since opening the card.

Yeah I already get their coupons in my email all the time but I guess I will get that little extra for having the card and thank you.

Re: Instant approval may seem petty to some but for me this is a first

LS2982 — Sat, 18 Feb 2012 03:30:32 GMT

@toytoy wrote:
It is quite funny that over the past year I have gotten $14000 cc limits and what not but to actually walk in a store and get instant approval is a milestone for me. Usually when I apply for something I get the dreaded 3-7 day notice. 99% of the time the card is approved but I have never had the satisfaction of being instantly approved. So today I went to Old Navy to do some shopping for my up coming trip to CA and the lady at the register said would you like to save 25% so I said sure why not when I usually decline. So we went through the whole app process and I am waiting to hear the ohhh we will notify you by mail but she said congrays you have been approved for the Old Navy Card. So I said ohhhh ty thinking I was just approved for the store card. I get in the car and read it and it was a limit of $1000 and it was actually for the Old Navy Visa card. Now I know this doesn't have the best APR and its only a $1000 limit but still this is a milestone in my book.

Congrats!

Re: Instant approval may seem petty to some but for me this is a first

Anonymous — Sat, 18 Feb 2012 13:08:51 GMT

@toytoy wrote:
It is quite funny that over the past year I have gotten $14000 cc limits and what not but to actually walk in a store and get instant approval is a milestone for me. Usually when I apply for something I get the dreaded 3-7 day notice. 99% of the time the card is approved but I have never had the satisfaction of being instantly approved. So today I went to Old Navy to do some shopping for my up coming trip to CA and the lady at the register said would you like to save 25% so I said sure why not when I usually decline. So we went through the whole app process and I am waiting to hear the ohhh we will notify you by mail but she said congrays you have been approved for the Old Navy Card. So I said ohhhh ty thinking I was just approved for the store card. I get in the car and read it and it was a limit of $1000 and it was actually for the Old Navy Visa card. Now I know this doesn't have the best APR and its only a $1000 limit but still this is a milestone in my book.

I've been in your shoes and I know exactly how it feels to get an instant approval for the first time (heck every time) it was just March of 2010 my EQ FICO was 583 and I could not get approved by anyone, and when I got my first instant approval with Cap1 in June of 2010, I was so happy.

I have since closed my Cap1 account, as it has served it's purpose, but I will never forget my first instant approval.

Congratulations to you, keep doing what you're doing, and you will see alot more instant approvals in the future.

I Wish you the Best of Luck.

Re: Instant approval may seem petty to some but for me this is a first

Anonymous — Sat, 18 Feb 2012 13:22:04 GMT

The feeling is good, but it's hard to stop applying if you've being declined many times before that.

Re: Instant approval may seem petty to some but for me this is a first

frogfan12 — Sat, 18 Feb 2012 13:55:29 GMT

Congrats on the approval and $1K limit. And for the ON Visa too? That's pretty awesome. When I first got my card back in January, they had a promo that if you used your ON card outside of ON, then you would get a $20 reward card. Definitely take advantage of that and Stuff and Save when it comes around again.

Re: Instant approval may seem petty to some but for me this is a first

Repo-ed — Sat, 18 Feb 2012 14:16:08 GMT

I remember the day(s) of instant approval. No more though. Maybe in the future.

Re: Instant approval may seem petty to some but for me this is a first

webhopper — Sat, 18 Feb 2012 16:05:00 GMT

Congrats on your instant approval! 1k on a visa is great place to start.... I would garden that for a while!