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    <title>topic Re: Message decoder in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195895#M64109</link>
    <description>&lt;DIV&gt;&lt;/DIV&gt;
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kasowell wrote:&lt;BR /&gt;
&lt;DIV&gt;I got the "needs further processing will notify via email" from Citi. Is this a polite way of saying you are too sorry of a person for us to give a credit card to? I'm joking about the sorry person part.&lt;/DIV&gt;&lt;BR /&gt;
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&lt;DIV&gt;No, this is common.&amp;nbsp; Just means they are going to do a manual review of your application and CR.&lt;/DIV&gt;
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    <pubDate>Sun, 30 Mar 2008 20:41:21 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-03-30T20:41:21Z</dc:date>
    <item>
      <title>Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195893#M64108</link>
      <description>&lt;DIV&gt;I got the "needs further processing will notify via email" from Citi. Is this a polite way of saying you are too sorry of a person for us to give a credit card to? I'm joking about the sorry person part.&lt;/DIV&gt;</description>
      <pubDate>Sun, 30 Mar 2008 20:40:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195893#M64108</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-30T20:40:41Z</dc:date>
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    <item>
      <title>Re: Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195895#M64109</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;
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kasowell wrote:&lt;BR /&gt;
&lt;DIV&gt;I got the "needs further processing will notify via email" from Citi. Is this a polite way of saying you are too sorry of a person for us to give a credit card to? I'm joking about the sorry person part.&lt;/DIV&gt;&lt;BR /&gt;
&lt;HR /&gt;
&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;
&lt;DIV&gt;No, this is common.&amp;nbsp; Just means they are going to do a manual review of your application and CR.&lt;/DIV&gt;
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&lt;DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Sun, 30 Mar 2008 20:41:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195895#M64109</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-30T20:41:21Z</dc:date>
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      <title>Re: Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195914#M64119</link>
      <description>&lt;DIV&gt;If I remember right they will send you an E-mail if you checked the box to agree to electronic notification.&lt;/DIV&gt;</description>
      <pubDate>Sun, 30 Mar 2008 20:52:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/195914#M64119</guid>
      <dc:creator>unknown_entity</dc:creator>
      <dc:date>2008-03-30T20:52:56Z</dc:date>
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      <title>Re: Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196133#M64222</link>
      <description>&lt;DIV&gt;since we're decoding messages, what does this mean from orchard?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;We are unable to finalize your credit card application. You will be hearing from us within the next 10-14 days. Thank you&lt;/STRONG&gt;&lt;/DIV&gt;</description>
      <pubDate>Mon, 31 Mar 2008 02:33:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196133#M64222</guid>
      <dc:creator>cadavis0609</dc:creator>
      <dc:date>2008-03-31T02:33:30Z</dc:date>
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    <item>
      <title>Re: Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196135#M64223</link>
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cadavis0609 wrote:&lt;BR /&gt;
&lt;DIV&gt;since we're decoding messages, what does this mean from orchard?&lt;/DIV&gt;
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&lt;DIV&gt;&lt;STRONG&gt;We are unable to finalize your credit card application. You will be hearing from us within the next 10-14 days. Thank you&lt;/STRONG&gt;&lt;/DIV&gt;&lt;BR /&gt;
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&lt;DIV&gt;Same thing as my response above to the question about Citi.&lt;/DIV&gt;
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      <pubDate>Mon, 31 Mar 2008 02:36:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196135#M64223</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-31T02:36:01Z</dc:date>
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    <item>
      <title>Re: Message decoder</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196164#M64226</link>
      <description>Citi typically approves with 0 baddies. How is your CR?</description>
      <pubDate>Mon, 31 Mar 2008 03:44:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Message-decoder/m-p/196164#M64226</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-31T03:44:57Z</dc:date>
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