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Applied for Gap Card got 7-10 day message

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Schoolbuskid
Valued Contributor

Applied for Gap Card got 7-10 day message

So i applied for the gap card on 1/17 and got the 7-10 day message, and some code for reference. Before i could write the code down the screen refreshed. 

 

Since this wasn't an out right denial like my Care Credit app, normally does this mean denial in your experience? Shoot i'd be happy with a $100 limit, just to get back in with Syncb. 

 

I really want to call in, and check the status but i'm trying to be patient. 

 

For reference scores range 560-574 FICO 8. 

 

Thanks! 

Rebuilding and Reducing Debt, is my game plan.
Message 1 of 18
17 REPLIES 17
Schoolbuskid
Valued Contributor

Re: Applied for Gap Card got 7-10 day message

I called a backdoor number, its currently going on for further processing. 

 

Let the waiting begin. 

Rebuilding and Reducing Debt, is my game plan.
Message 2 of 18
rrdm78
Regular Contributor

Re: Applied for Gap Card got 7-10 day message

I applied to yesterday and got that message and was approve $ 200. They had to verified some information.


@Schoolbuskid wrote:

I called a backdoor number, its currently going on for further processing. 

 

Let the waiting begin. 


 

Message 3 of 18
Ron1
Super Contributor

Re: Applied for Gap Card got 7-10 day message

It might not be a denial. Several of my apps got 7-10 days message. It went to further review. I got approved after 2 weeks.

 

 

Ron.

Message 4 of 18
Anonymous
Not applicable

Re: Applied for Gap Card got 7-10 day message

Ron...Is it best to call in and ask or just let it run it's course? Wiating on an answer to the 7-10 day message for Old Navy and JC Penney. Thx!

Message 5 of 18
Schoolbuskid
Valued Contributor

Re: Applied for Gap Card got 7-10 day message

Called today they denied me, oh well I'm in the garden now! Time to strengthen that TU score!

 

or do you think I should recon?

Rebuilding and Reducing Debt, is my game plan.
Message 6 of 18
FinStar
Moderator Emeritus

Re: Applied for Gap Card got 7-10 day message


@Schoolbuskid wrote:

Called today they denied me, oh well I'm in the garden now! Time to strengthen that TU score!

 

or do you think I should recon?


SYNCB does not reconsider auto-declined applications OP.  What reasons did they cite?  Are the reasons in line with the recently declined Capital One app?

Message 7 of 18
Schoolbuskid
Valued Contributor

Re: Applied for Gap Card got 7-10 day message


@FinStar wrote:

@Schoolbuskid wrote:

Called today they denied me, oh well I'm in the garden now! Time to strengthen that TU score!

 

or do you think I should recon?


SYNCB does not reconsider auto-declined applications OP.  What reasons did they cite?  Are the reasons in line with the recently declined Capital One app?


I haven't received reason yet, still waiting on letter...I'm blacklisted by capital one that's reasoning for that! Thanks for the info!

Rebuilding and Reducing Debt, is my game plan.
Message 8 of 18
Anonymous
Not applicable

Re: Applied for Gap Card got 7-10 day message

FYI...my wife applied for Old Navy and JCP about 10 days ago. Today, she got a decline letter for JCP and a fraud verification letter for ON. After calling she

was approved for $200. The JCP letter has her TU score at 615.  

Message 9 of 18
Schoolbuskid
Valued Contributor

Re: Applied for Gap Card got 7-10 day message

I was denied TU score was 563 per letter.

Following reasons:
To many negative trade lines
Time since current account
Collection or public record on file
Rebuilding and Reducing Debt, is my game plan.
Message 10 of 18
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