topic Re: Are cards ever approved on Sundays in Credit Cards

Are cards ever approved on Sundays

EaglesFan2006 — Sun, 27 Oct 2013 19:01:16 GMT

My brother applied for a BofA card and was given the 30 day message. I know that's usualy doom and gloom (though in my experience I've only ever gotten the 7-10 day message.) Anyway, I was wondering after talking to him if it simply happened because It was a Sunday. I know most recon places are closed on Sundays, but not sure if that was relevant. I konw nothing about BofA or the 30 day message so I can't provide much guidance, but was just curious about the weekend thing.

Re: Are cards ever approved on Sundays

09Lexie — Sun, 27 Oct 2013 19:31:41 GMT

Yes, cc's are approved on Sundays, holidays after hours etc. the 30 day message can be a verification check or requires further processing. Have your DB call tomorrow if they are closed today.

Re: Are cards ever approved on Sundays

MissCredit9 — Sun, 27 Oct 2013 19:14:01 GMT

Thats a great question.... I've often pondered it myself as I have only ever been given the wretched 7-10day message on a Sunday. As a rule I won't app again on a Sunday, soley because waiting another day for recon or verifification can be quite painful. Good luck to DB!

Re: Are cards ever approved on Sundays

EaglesFan2006 — Sun, 27 Oct 2013 19:15:08 GMT

@09Lexie wrote:
Yes, cc's are approved on Sundays, holidays after hours etc. the 30 day message can be a verification check or requires further processing. Have you DB called tomorrow if they are closed today.

Gotcha...thanks for the info!

In your experience, is the 30-day message any different than the 7-10 message? Or do different banks just do different things and the days are arbitrary. I know when I got my first Chase and Citi card, I had to recon with both after getting the 7-10 message.

Re: Are cards ever approved on Sundays

blondy250 — Sun, 27 Oct 2013 19:20:14 GMT

Of course they are, it's just a credit check done by a computer. They don't get weekends off.

Re: Are cards ever approved on Sundays

09Lexie — Sun, 27 Oct 2013 19:21:11 GMT

Because I have a FA on my CR's I always get a pending further review message. Tbh, they have varied from 7-10, 30 -think that was Chase, or just pending further review with a reference number.

Re: Are cards ever approved on Sundays

FinStar — Sun, 27 Oct 2013 19:30:36 GMT

@blondy250 wrote:
Of course they are, it's just a credit check done by a computer. They don't get weekends off.

Exactly. The "conveyor belt" of credit applications is a 24/7 process unless the system is unavailable due to system maintenance or you're dealing with a smaller community bank or certain CUs in which case the application is simply in queue for manual review on the next business day.

Re: Are cards ever approved on Sundays

coldnmn — Sun, 27 Oct 2013 19:31:54 GMT

The only 30 days I ever got was Chase. They were kind enough to do a hard pull. That was before denying because I'm black listed.

Re: Are cards ever approved on Sundays

B335is — Sun, 27 Oct 2013 20:31:45 GMT

90% of my approvals were on Sundays! Unfortunately PenFed denied me today, which happens to be a Sunday

Re: Are cards ever approved on Sundays

FocusedAndDetermined — Sun, 27 Oct 2013 20:38:02 GMT

Pretty sure I was approved by Barclay's on a Sunday.