topic Re: The Duck Card in Credit Cards

The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 00:39:14 GMT

So, I applied for the Duck Card again and instead of an outright denial this time I got:

Dear Applicant,

Your VISA credit card application has been received and is being processed. You will receive an update on the status of your request within 7-10 business days. Thank you, Card Services.

Does this mean I may get approved and should I apply for others so all of the inquiries will fall off at about the same time? And should I also call a recon line for them or what?

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 00:56:02 GMT

@xXIDaShizIXx wrote:
So, I applied for the Duck Card again and instead of an outright denial this time I got:

Dear Applicant,

Your VISA credit card application has been received and is being processed. You will receive an update on the status of your request within 7-10 business days. Thank you, Card Services.

Does this mean I may get approved and should I apply for others so all of the inquiries will fall off at about the same time? And should I also call a recon line for them or what?

Call them... they like you to answer 2 questions off your credit report and then proceed. it speeds things up.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 00:58:52 GMT

What is the recon number? Oh and discover offered me an it Secured card.

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 01:03:26 GMT

@xXIDaShizIXx wrote:
What is the recon number? Oh and discover offered me an it Secured card.

PASS... if you are getting approved for a duck card.

800.365.1111

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 01:15:12 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:
What is the recon number? Oh and discover offered me an it Secured card.
PASS... if you are getting approved for a duck card.
800.365.1111

They said there was nothing they could do, that I wouldn't know whether I was approved or not until I received the card or the denial in the mail. What is my next step from here?

Re: The Duck Card

CreditMagic7 — Fri, 24 Jan 2014 02:06:36 GMT

When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:09:15 GMT

@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.

So what should I do from here? Wait it out or apply for something else or take the discover secured card?

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:10:48 GMT

@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?

don't take Discover yet.

What cards do you currently have?

what else might you want?

have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:14:53 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?

Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:17:45 GMT

@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.

oh so your credit is farily new or rebuilding?

maybe discover it secured would be good choice then.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:21:36 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.

New and building. BoA didn't give me any prequalified offers either, so whats next?

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:24:38 GMT

@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.
New and building. BoA didn't give me any prequalified offers either, so whats next?

BofA secured would be even better then discover since it graduates and so far I don't believe Discover is saying they will ever unsecure.

otherwise you really have enough credit to build with... you just need to sit tight for 6-12 months building on what you have.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:31:14 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.
New and building. BoA didn't give me any prequalified offers either, so whats next?
BofA secured would be even better then discover since it graduates and so far I don't believe Discover is saying they will ever unsecure.
otherwise you really have enough credit to build with... you just need to sit tight for 6-12 months building on what you have.

Should I do both? Like put $300 on the BoA card and $200 on the discover card? And build relationships with several different lenders? Or $500 on both?

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:32:33 GMT

@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.
New and building. BoA didn't give me any prequalified offers either, so whats next?
BofA secured would be even better then discover since it graduates and so far I don't believe Discover is saying they will ever unsecure.
otherwise you really have enough credit to build with... you just need to sit tight for 6-12 months building on what you have.

Should I do both? Like put $300 on the BoA card and $200 on the discover card? And build relationships with several different lenders? Or $500 on both?

if you apply for bofa secured and get that I would skip the discover just because you wait 6 months and you can probably get discover unsecured after having the bofa secured.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:35:44 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.
New and building. BoA didn't give me any prequalified offers either, so whats next?
BofA secured would be even better then discover since it graduates and so far I don't believe Discover is saying they will ever unsecure.
otherwise you really have enough credit to build with... you just need to sit tight for 6-12 months building on what you have.

Should I do both? Like put $300 on the BoA card and $200 on the discover card? And build relationships with several different lenders? Or $500 on both?
if you apply for bofa secured and get that I would skip the discover just because you wait 6 months and you can probably get discover unsecured after having the bofa secured.

BoA has an annual fee, but discover does not should that affect the decision? Plus the cash back and free fico score?

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:47:23 GMT

@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@Creditaddict wrote:
@xXIDaShizIXx wrote:
@CreditMagic7 wrote:
When i applied i waited maybe 4 to 5 days then called. You could try calling back and maybe get someone on the line to confirm whatever decision they made. They take their sweet time because of manual close review and why i gave them those days before i called. They didn't ask me any questions, i ask them if it was approved or not.

Here's hoping for the answer you need to hear.
So what should I do from here? Wait it out or apply for something else or take the discover secured card?
don't take Discover yet.
What cards do you currently have?
what else might you want?
have you checked pre-qual at the different sites for Chase, Citi, Bank of America, Captail One?
Citi, Chase, and Capital One said I was prequalified for anything. Let me try BoA. And I have the Capital One Secured Card and AAMCO GE Car Care One Card.
oh so your credit is farily new or rebuilding?
maybe discover it secured would be good choice then.
New and building. BoA didn't give me any prequalified offers either, so whats next?
BofA secured would be even better then discover since it graduates and so far I don't believe Discover is saying they will ever unsecure.
otherwise you really have enough credit to build with... you just need to sit tight for 6-12 months building on what you have.

Should I do both? Like put $300 on the BoA card and $200 on the discover card? And build relationships with several different lenders? Or $500 on both?
if you apply for bofa secured and get that I would skip the discover just because you wait 6 months and you can probably get discover unsecured after having the bofa secured.
BoA has an annual fee, but discover does not should that affect the decision? Plus the cash back and free fico score?

once you get approved, bofa will switch to a cash back version if I have read on here correctly... most secured cards do have an AF... bofa can also unsecure in 9 months... it's WELL worth it!

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:50:58 GMT

once you get approved, bofa will switch to a cash back version if I have read on here correctly... most secured cards do have an AF... bofa can also unsecure in 9 months... it's WELL worth it!

I'm just saying though, do you think it would build a history faster if I had $500 on both and let them report for 6 months? I'd like to increase my chances of getting a bigger limit card.

Re: The Duck Card

Creditaddict — Fri, 24 Jan 2014 02:52:19 GMT

@xXIDaShizIXx wrote:

once you get approved, bofa will switch to a cash back version if I have read on here correctly... most secured cards do have an AF... bofa can also unsecure in 9 months... it's WELL worth it!
I'm just saying though, do you think it would build a history faster if I had $500 on both and let them report for 6 months? I'd like to increase my chances of getting a bigger limit card.

3 cards for scoring so I would put $1k on BofA instead of 2 $500.

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 02:55:33 GMT

@Creditaddict wrote:
@xXIDaShizIXx wrote:

once you get approved, bofa will switch to a cash back version if I have read on here correctly... most secured cards do have an AF... bofa can also unsecure in 9 months... it's WELL worth it!
I'm just saying though, do you think it would build a history faster if I had $500 on both and let them report for 6 months? I'd like to increase my chances of getting a bigger limit card.
3 cards for scoring so I would put $1k on BofA instead of 2 $500.

Sounds like a plan! Thank you for your help!

Re: The Duck Card

xXIDaShizIXx — Fri, 24 Jan 2014 04:30:51 GMT

I did have one other question. Do people generally get approved for the duck card when they get the 7-10 day wait and are the credit limits usually pretty generous? Sorry for all the questions!