Denied by Victoria's Secret...

[TeeandDee]

I got the itchy finger again and applied for a Victoria's Secret Credit Card.   I thought my chances were good because I was just approved for an Express credit card and they are both issued by WFNNB...boy was I wrong.  Got the good old "7-10" message.   I even called in and the lady told me that the approval is not always instant...yeah right lady!  

So fustrated with myself right now.  My credit isgood, no baddies and I've been approved for good cards tthe last two months.  Just concnerned now for the inquiries...sucks!!  There needs to be an app addiction group on here cause I'll sign up! LOL!!!!

I am going into the garden...I promise! NO MORE APPS..atleast for the remainder of this year.  Pray for me ya'll!

[ArisGreek]

Well the lady is right, approvals aren't always instant. Sometimes the 7-10 day message means they need to verify something, it doesn't mean you are declined.  When I applied for Zync I got a 7-10 day message and I ended up being approved and I had 0 inquiries at the time.  I mean, that would be your 3rd card in two months. It could be towards inquiries but you never know until you get the letter. 

Don't sweat it yet. You could always call the backdoor number.

[TeeandDee]

What's the recon number for Victoria's Secret? I was unaware that there was one. If I was denied, it's probably inquries. I have alot now.... about 6.

[Juan123]

thats weird, i had a lower score then you and about 12 inq's and was approved for a victoria secret card... maybe it's like the other poster said and they need verification.

[TeeandDee]

Juan123....was your approval Instant? I got the 7-10 message which normally for me means DENIED.  I mean back in the day before Instant approval I know you could apply and the card would come in the mail or the denial letter, but now they usually approve you instantly or you get a message like I did with Discover to call in to expedite my application etc...and I got approved.

[Juan123]

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@TeeandDee wrote:

Juan123....was your approval Instant? I got the 7-10 message which normally for me means DENIED.  I mean back in the day before Instant approval I know you could apply and the card would come in the mail or the denial letter, but now they usually approve you instantly or you get a message like I did with Discover to call in to expedite my application etc...and I got approved.

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yea it was instant, approved online.

[TeeandDee]

That's what I figured....Oh well, I guess I'll have to wait for the letter to find out why.  The only thing I can think of is the inquiries.....I have no baddies, my utilzation is low.  I'm more fustrated with myself for the inquiry.  I just hope I gain the points back that I've lost due to inquiries over the next few months.

[Chris123nTx]

No one that likes to shop at victoria secret should ever be denied.

Just saying

[NikJ4]

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@TeeandDee wrote:

I got the itchy finger again and applied for a Victoria's Secret Credit Card.   I thought my chances were good because I was just approved for an Express credit card and they are both issued by WFNNB...boy was I wrong.  Got the good old "7-10" message.   I even called in and the lady told me that the approval is not always instant...yeah right lady!  

So fustrated with myself right now.  My credit isgood, no baddies and I've been approved for good cards tthe last two months.  Just concnerned now for the inquiries...sucks!!  There needs to be an app addiction group on here cause I'll sign up! LOL!!!!

I am going into the garden...I promise! NO MORE APPS..atleast for the remainder of this year.  Pray for me ya'll!

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Welcome... You are in the club with a lot of us.... We have moments of weakness but you have to think about the overall big picture. You dont want all those inquiries on yoru credit report. Just chill in the garden with a bottle of wine and let time be your BFF.

Good Luck!

We will have happy hour starting at 3pm-7pm.

Also feel free to come to the garden for support when you feel the urge. We are all here to support and help each other.

[john398]

How new is your express account? sometimes they want to see a history before offering a 2nd card