So I received a message from Bread/Comenity Bank to apply for the AAA Visa. I've had the Dell Pay Account with them for over 10 years now, so I wasn't too surprised by this. So I followed the link, and the website ONLY asked from me: the last 4 of my social, my phone number and email address. I put in/verified the information, and then I get this message: "We're reviewing the information you gave us. We'll mail you about the status of your request within 10-14 business days."
I didn't even fill out an actual application, however, experian alerted me that my equifax credit report was pulled. I was recently discharged from Chapter 7 Bankruptcy, so I was surprised to see the pre-approval link from them. But I didn't burn/close my dell account because it was a $0 balance when I filed. I've been very...cautious when applying for things, and only doing pre-approval checks with banks. I honestly thought this was going to be more of a pre-approval link of like the ikea card, where they tell you what you might qualify for, before applying. Especially since, again, I didn't fill out a full application. Has anyone else experienced this before? And does the 10-14 day message mean denial? (I'm not holding my breath for an approval because of the Chapter 7 Discharge on my credit report...but I am annoyed).
