Do You Guys Always Call When You Get A 7 to 10 Day Message?

[kdm31091]

If it says 7 to 10 days and not an outright denial I just let it be. Theyre going to review the app anyway whether I call or not, and I dont want a reputation as a PITA customer.

[Anonymous]

The 7 to 10 day review has always  been a decline for me, not one time a verification.  I have called once and this guy had 50 questions and while it was still a decline, it was rude and ticked me off.  It wasn't worth it to me to call, I'll wait for the letter.

[taxi818]

Honestly. it depends on the lender. With many lenders, you can bug them and they just may change their minds to give you chance. if you have a good reason for the relationship. even with small limit. Others, i would never call as I would know their denials are final. I.e. Amex. Citi and Discover  to name a few. Chase can be reconned as well as BoA. But Cap one usually is Dead door nail if 7-10. Of course , YMMV

[NY2014]

You hit it right on the Nail Taxi818 that actually sums it up . 👍🏻

[Anonymous]

I agree with most about this, if its a 7-10 day letter, just let it ride, the anticipation of not knowing for sure is worth the ride

[Anonymous]

I never take no for an answer.

[Imperfectfuture]

I study my cards on whether to call or not. Cap One, Amex no. Barclays, Chase (though only instant approvals so far), Discover, yes.

[Anonymous]

I've gotten the 7-10 day message on four apps, and have called on three of them. The one that I didn't call about was before I knew about recons, and was a denial. Of the three I called on, one was just verification and the other two were denials. Approved for all three.

[TiggerDat]

I always call because IMHO it doesn't hurt and if the bank thinks it should hurt for me to do so, then I probably don't want any other issues that might arise from it.  I am usually successful when I call.  I actually can't think of an instance where I wasn't successful. 

The worst of them was Barclays when I app'd for the Barclay Rewards card.  I had app'd for an Apple card about a month and a half before that and was instantly approved.  Then I thought about it and decided that I would be better off with with the rewards card.  I called customer service and asked about changing it to the Rewards card and was told that I had to app for it and if I was denied they could then switch it to the rewards card.  So I did and was declined and so I called and asked them to change the Apple to the rewards cards.  They not only told me that I couldn't do such a thing, that I had been informed wrong, but they were going to close my Apple card too.  I asked why and was told because of the recent app and it appeared like I might be too much of a risk since I could be apping to overuse credit.  I stated my points about how this was certainly not the case and that a careful review of my report would not indicate anything like that, nor would the fact that I never used the Apple card indicate it.  The rep said no, no, no, so I asked to speak with a supervisor, she told me I couldn't, so I demanded to do speak with one, she said no, I asked if there was a manager for the department, she said yes.  So I kept asking to speak with the manager of the department and she said hold on and later returned and said the manager was busy at the moment.  So I told her I would wait, she came back again and said te manager was still busy and I said I would wait.  Finally, she came back and told me that the manager couldn't take my call but she would open the account, but only give me a small limit.  The limit we agreed upon and I what I got were not the same, it was smaller than it should have been.  I reached out to the EO and not only got the limit raised to what we agreed upon, but I also got the inquiry removed since I was given wrong information from the first CSR.  So calling can be done and sometimes you just have to be persistent!