@Anonymous wrote:
@estrickland1 wrote:Hmm someone else recon'd Discover and was approved...but their scores are about 150 points higher than mine.
So should I call CapOne?
@estrickland1 wrote:Hmm someone else recon'd Discover and was approved...but their scores are about 150 points higher than mine.
So should I call CapOne?
Just to let you know. I also received the 7-10 message with Cap1 for the QS1. I got a call that night from the fraud dep't. I called back a couple of days later to check the status and was approved. They were also able to tell me my SL, but not able to tell me exactly when the card will ship.
So, though I can't guarantee an approval, IME, the 7-10 message and call from fraud dep't was not a bad thing.
Thanks for the bit of hope! If I get this one I'll probably stop applying for a few months to let my new cards age.
I really want to App for that Amazon store card though, my current laptop is dying fast.
Starting Score: EX 655, TU 583, EQ 598
Looking at my TU report, I have a HP from Syncb/Amazon on 10/22...but I don't remember applying for the Store Card. After a google search, a noticed other people saying this happened to them, like Amazon was just randomly doing HPs on shoppers. I'm going to call in the morning and see what's up
@Anonymous wrote:
@estrickland1 wrote:Looking at my TU report, I have a HP from Syncb/Amazon on 10/22...but I don't remember applying for the Store Card. After a google search, a noticed other people saying this happened to them, like Amazon was just randomly doing HPs on shoppers. I'm going to call in the morning and see what's up
Oh no! That's not right! How can they do a HP without your consent? Please report back with the results.
I call Syncb and all they did was file a report for investigation and I should receive a letter in 20 days...so now I have two choices: I can wait for the letter or go ahead and try to apply again
@Anonymous wrote:
@estrickland1 wrote:
@Anonymous wrote:
@estrickland1 wrote:Looking at my TU report, I have a HP from Syncb/Amazon on 10/22...but I don't remember applying for the Store Card. After a google search, a noticed other people saying this happened to them, like Amazon was just randomly doing HPs on shoppers. I'm going to call in the morning and see what's up
Oh no! That's not right! How can they do a HP without your consent? Please report back with the results.
I call Syncb and all they did was file a report for investigation and I should receive a letter in 20 days...so now I have two choices: I can wait for the letter or go ahead and try to apply again
I am not sure what your best course of action should be.
Your scores do seem a little low for TU. And I understand that Synch normally pulls TU. So, youi may be denied. But, of course, I can't be sure of that, as I have no Synch cards, nor have I ever applied for a synch card.
Did they pull EX for the Amazon Visa? That is your highest score it seems. And may have helped with the approval.
According to cardmember agreement for the visa, the pulled EX through some system called Card Acquisition Risk Score. Ended up being 621, over 30 points lower than FICO 8
I got courious since I haven't heard from CapOne yet and called the application status number. After I entered in my phone number, they automated system said I was approved and my card will be delivered within the next 7-10 days.
@Anonymous wrote:
@estrickland1 wrote:I got courious since I haven't heard from CapOne yet and called the application status number. After I entered in my phone number, they automated system said I was approved and my card will be delivered within the next 7-10 days.
Congratulations!!! Did you learn your starting limit?
What did you decided to do about the Amazon store card?
No I don't know my SL just yet, the actual office is closed so I have to call tomorrow.
I think im going to wait a few more days for the Amazon store card. I want to go ahead and just apply but I'm nervous lol