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Final card verification

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fltireguy
Valued Contributor

Final card verification

So, on Wednesday I got an email from Final that it was my turn to app... so I clicked on the link and applied.. went to "furtherprocessing required".   Got an email from them yesterday for verification.. needed my SS card, DL and utility bill. No issue.. sent them in. Then I got another email.. this one is a first.. it said " 

Hello Fltireguy,

The credit department has requested one more piece of verification - please send a picture of you holding your driver's license with your face clearly visible.

Thank you,
Sarah"

 

Interesting... sent that to them.. we shall see what the outcome is...

 

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 1 of 12
11 REPLIES 11
Berk
Established Contributor

Re: Final card verification

I have never heard of anything like that before. But then again, Final does advertise how secure their card is. 

Message 2 of 12
Spotsy
Frequent Contributor

Re: Final card verification

Something with your app and CRA or other reporting agency that they use is not lining up...But it's a cool card and best of luck to ya..let's us know the outcome!

 

-Rob

FICO 8: TU:796 / EQ:814 / EX:804 as of 7/27/2025
Message 3 of 12
Anonymous
Not applicable

Re: Final card verification

LMAO that is different, I had the same verification but I did not get the request to send a pic of me holding anything lol

Message 4 of 12
fltireguy
Valued Contributor

Re: Final card verification

Spotsy there shouldn't be any type of a mismatch. Just a LOT of inq and new acts..
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 5 of 12
Creditplz
Valued Contributor

Re: Final card verification

I know I said the card was dumb due to the high APR and AF, buttttt I bit and was approved for 7.5k.

Called and told the rep the limit wasn't working for me asked to be bumped to around 14-20k, was told it would be a SP just to request it by Email. Oh and I was told it is still not Reporting to all the CRA as of May. So hidden TL on some CR?.
Message 6 of 12
Creditplz
Valued Contributor

Re: Final card verification

Inq are 69, 6 being recent (6mo and below). FICO8 EX is 768
Message 7 of 12
Anonymous
Not applicable

Re: Final card verification


@Creditplz wrote:
I know I said the card was dumb due to the high APR and AF, buttttt I bit and was approved for 7.5k.

Called and told the rep the limit wasn't working for me asked to be bumped to around 14-20k, was told it would be a SP just to request it by Email. Oh and I was told it is still not Reporting to all the CRA as of May. So hidden TL on some CR?.

Confused, did you get the higher limit? Mine is not reporting either, it would add an extra value to the card if it did NOT report IMO at least. 

Message 8 of 12
Creditplz
Valued Contributor

Re: Final card verification

Still haven't heard back or got an email back...

I agree! I would like if the card didn't report but the fact that their website says something along the lines of "will Final help build my credit?" And they answer yes I feel that they will report..
Message 9 of 12
swpopham
Established Contributor

Re: Final card verification

well I guess im not getting this anytime soon!!

Screen Shot 2017-05-29 at 10.59.10 PM.png

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 10 of 12
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