CSR In Branch Pre-Approval 30 Days?!

[coldfusion]

30 days just means that they haven't finished processing the application yet, don't read too much into it.

Call the automated line daily to check on status.  If it changes to 14 days odds are on the order of 99% that an approval is forthcoming.

If it changes to 7-10 days be prepared to call and try to talk your way into a successful recon.

[drboxing]

Please keep us posted as to your results

[bigpoppa09]

I went to the Branch today set down with a banker to check pre approvals no soup for me.

[atst2000]

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@drboxing wrote:
Please keep us posted as to your results

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Will do.  Applied Friday and today is Tuesday, checked Robo-Lady and still at 30 days 

From what I have read the consensus is 5-7 days for an answer, but who knows.  I'm trying to stay optimistic but expecting 

a denial.  Was hoping after they verified me with the text code the lady on the phone would've just approved me, but I guess

it needs more time?  Just hope it doesn't go to some Chase analyst in a bad mood or really strict and just trashes my application.

I dare not call the number as I have in the past, they have grilled me like I'm applying for a mortgage...kinda made me feel depressed

after I got off the call lol...this was a couple years ago.

[FinStar]

Just give it time. It'll sort itself out. No need to drive yourself bonkers on thinking the worst or overanalyzing their internal processes.

Generally speaking, and per lots of reported DPs, the 30-day message is typically a good sign.

[Anonymous]

I've been waiting a week, but that's with the weekend included. I'm LOL/24 with a dozen inq, but was pre-approved, so I rolled the dice too.

3117 # says "2 weeks" but the 2586 # says "30 days" When I called in, multiple times, I don't get grilled or asked a dozen questions, they just put me on hold, read the previous rep's notes, and say the same canned BS. This was on the "fraud" #, recon #, and "verification" #, I suspect all of which are the same dept or low end CSR's that keep referring to the app being reviewed in the "back office" which is likely the real analysts/UW. Which of course, aren't accessible, since they work in a windowless room without a computer or phone. Last rep said end of this week or early next, but that's obv his way of telling me to piss off since he's seen the half dozen prior calls or he didn't like that I called him out on the incoherent and convoluted canned BS he's reading without verifying. It's the "can't speak on the previous rep you spoke to" yet they do when they read the notes. 

[atst2000]

APPROVED!

Just checked like 15 min ago and still said 30 days, then 5 minutes later I got an alert from Intuit Mint app that I have from Chase saying that a new account had been added to Chase?  I was like what the?  So sure enough I logged in and there it was.

$29,300 SL

23.74% APR

Cant believe it! 

[drboxing]

Congratulations, it was worth the wait

[Anonymous]

As this is now an approval, thread locked.  @atst2000  feel free to start a new thread in the Approvals forum if you would like to post more about being approved.  Congrats.