Applying on computer vs mobile device?

[pinkandgrey]

I read something that said credit card apps are more likely to be approved when completed on a computer as opposed to a mobile device. I thought it sounded ridiculous, but is there any credibility to it?

[Anonymous]

I always applied on computer or at the branch however been tempted to apply on mobile... Good question above look forward to responses.

[Anonymous]

Many banking websites aren't extremely mobile friendly, so while I doubt there is much credibility to this claim, I think people may be more prone to making errors when filling out an application on a phone.

[Gregory1776]

Haha I’d rather do it on my iPad, more real estate, but I’m sure it doesn’t matter. Just a silly rumor. 😋😋😋

[AverageJoesCredit]

Honestly no clue, i figure if you can complete the app satisfactory on either medium, results will be the same if you qualify or dont

[Gregory1776]

Precisely 👆🏽

[Gmood1]

Some lenders now have began using your cell phones in order to approve you for credit cards and CLIs. Synchrony bank and Citi does this as well.
I'm trying to remember which one uses your phone location to detect fraud. I believe it's Bank of America.
I just changed phones and while updating my accounts. One of the lenders allowed me to activate this fraud protection. Basically if my card is swiped and they don't detect my phone in the same location. The transaction throws a red flag.

[Gregory1776]

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@Gmood1wrote:
Some lenders now have began using your cell phones in order to approve you for credit cards and CLIs. Synchrony bank and Citi does this as well.
I'm trying to remember which one uses your phone location to detect fraud. I believe it's Bank of America.
I just changed phones and while updating my accounts. One of the lenders allowed me to activate this fraud protection. Basically if my card is swiped and they don't detect my phone in the same location. The transaction throws a red flag.

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That’s neat! But their kinda following you....😗😕🤔

[Gmood1]

Lol..yeah, but they're tracking you anyways as you use their cards. 😂
I expect all lenders to eventually go that route.
Someone may get your card numbers but without your cellphone. They can't get pass the first swipe before the card is null and void.
Let's face it, in today's world we are all tracked by cellphones and cameras all around us.

[marmaladepie]

I applied for Amex hilton on my phone browser and got a SL of 20k, despite burning them in bk 9 years ago. Prob just luck.

Interestingly though, this has to do more w personal loan lending, but my friend works for an investment firm and Sofi pitched them. Apparently Sofi tracks the amount of time a user or potential applicant spends on each page of the application. Particularly the page where you can use the slider to request the amount you’re asking to borrow. They see more risk with an user who quickly slides the marker to a larger amount and just leaves it there vs someone who spends more time “thinking” about and sliding the marker back and forth as to how much to borrow.