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Issue applying for BB&T card

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angelzrfree
New Contributor

Re: Issue applying for BB&T card


@Anonymous wrote:

Went into branch when I got that msg in March. Was a HP in-branch.


I don't want to be another person to complain about their one-time bad experience, but the banker botched my application/income, was condescending to me and tried to sell me their doodoo secured cards with AF lol... I walked. 

 

Denial Letter in the mail said something along the lines of unable to verify info

 

I'd only go for this if you get online prequal, but it's a pretty average card if not


I definitely want to avoid a hard pull and the branch next to my house is closed due to c19. 

Hey look ma! I’m finally in the 700 club.


March 2020 - (EX) 730 (EQ) 707 (TU) 702

January 2023 - (EX) 772 (EQ) 789 (TU) 789
Message 11 of 18
Anonymous
Not applicable

Re: Issue applying for BB&T card

Try Pre Qual again see what it says.   Maybe they were doing maintenance


@angelzrfree wrote:

I applied or tried applying for the BB&T card. I wanted the cash rewards because 2% cash back for paying utilities sounds awesome. Went through the prequal and received 3 offers. After inputting all of my information, I received this message

 

"Unfortunately, we are experiencing difficulties and are unable to continue your BB&T Spectrum Cash Rewards Credit Card application online.

Please try again later or visit your local BB&T branch to apply in person."

 

Has anyone had that happen before? I don't want to apply in person because I'm trying to avoid a hard pull. Should I just try again later?


 

Message 12 of 18
GApeachy
Super Contributor

Re: Issue applying for BB&T card


@angelzrfree wrote:

 

Has anyone had that happen before? I don't want to apply in person because I'm trying to avoid a hard pull. Should I just try again later?


Thought about your post when I read this and wanted to pass this on to you: 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BB-amp-T-Approval-w-DPs/m-p/6022502#M680064

 

My Take Home Pay Don't Take Me Home
Message 13 of 18
Anonymous
Not applicable

Re: Issue applying for BB&T card


@GApeachy wrote:

@angelzrfree wrote:

 

Has anyone had that happen before? I don't want to apply in person because I'm trying to avoid a hard pull. Should I just try again later?


Thought about your post when I read this and wanted to pass this on to you: 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BB-amp-T-Approval-w-DPs/m-p/6022502#M680064

 


You beat me to it @GApeachy .... @angelzrfree ‘s post was one of the threads I came across while searching BB&T info and wanted to revisit thread to share how I was able to complete.  Thank you for linking the thread!  I knew we shared the same frustrations of sitting on a probable good approval and unable to capitalize with out the risk of hp and having to visit a branch.  @angelzrfree you stated your closest branch is closed for now due to covid-19, if you have not already tried calling them, do so to see if they are doing drive through service?  If not, try the next closest and then the next closest if you can.  It was well worth the time for me!  Good luck 🤞🏼🙂

Message 14 of 18
GApeachy
Super Contributor

Re: Issue applying for BB&T card


@Anonymous wrote:

@GApeachy wrote:

@angelzrfree wrote:

 

Has anyone had that happen before? I don't want to apply in person because I'm trying to avoid a hard pull. Should I just try again later?


Thought about your post when I read this and wanted to pass this on to you: 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BB-amp-T-Approval-w-DPs/m-p/6022502#M680064

 


You beat me to it @GApeachy .... @angelzrfree ‘s post was one of the threads I came across while searching BB&T info and wanted to revisit thread to share how I was able to complete.  Thank you for linking the thread!  I knew we shared the same frustrations of sitting on a probable good approval and unable to capitalize with out the risk of hp and having to visit a branch.  @angelzrfree you stated your closest branch is closed for now due to covid-19, if you have not already tried calling them, do so to see if they are doing drive through service?  If not, try the next closest and then the next closest if you can.  It was well worth the time for me!  Good luck 🤞🏼🙂


.....and to add to that, I got an email yesterday from BB&T that they'd be opening the branch soon.  Hopefully that will apply to yours as well @angelzrfree .  

@Anonymous  sorry, didn't know you knew or I'd would have let you do it.  We're all eager to help, that's a good thing! Smiley Wink btw, nice sl!

My Take Home Pay Don't Take Me Home
Message 15 of 18
Anonymous
Not applicable

Re: Issue applying for BB&T card


@GApeachy wrote:

@Anonymous wrote:

@GApeachy wrote:

@angelzrfree wrote:

 

Has anyone had that happen before? I don't want to apply in person because I'm trying to avoid a hard pull. Should I just try again later?


Thought about your post when I read this and wanted to pass this on to you: 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BB-amp-T-Approval-w-DPs/m-p/6022502#M680064

 


You beat me to it @GApeachy .... @angelzrfree ‘s post was one of the threads I came across while searching BB&T info and wanted to revisit thread to share how I was able to complete.  Thank you for linking the thread!  I knew we shared the same frustrations of sitting on a probable good approval and unable to capitalize with out the risk of hp and having to visit a branch.  @angelzrfree you stated your closest branch is closed for now due to covid-19, if you have not already tried calling them, do so to see if they are doing drive through service?  If not, try the next closest and then the next closest if you can.  It was well worth the time for me!  Good luck 🤞🏼🙂


.....and to add to that, I got an email yesterday from BB&T that they'd be opening the branch soon.  Hopefully that will apply to yours as well @angelzrfree .  

@Anonymous  sorry, didn't know you knew or I'd would have let you do it.  We're all eager to help, that's a good thing! Smiley Wink btw, nice sl!


@GApeachy  Oh my gosh, please no apology needed, you did not steal my thunder!  I agree with the desire to help, especially as I may not have seen their thread and would not have updated with my info, too important for them for you not to have taken the chance I would have done so....great job!  Also, you saved me from having to stumble through remembering how I created a link to a post....have only done once and took me what felt like forever. 🤦‍♀️😂

Message 16 of 18
angelzrfree
New Contributor

Re: Issue applying for BB&T card

Thank you everyone. I'll see about going in branch once it opens. Unfortunately an old debt has reared its ugly head on my CR, so I'm going to lay low for a bit. 

Hey look ma! I’m finally in the 700 club.


March 2020 - (EX) 730 (EQ) 707 (TU) 702

January 2023 - (EX) 772 (EQ) 789 (TU) 789
Message 17 of 18
Anonymous
Not applicable

Re: Issue applying for BB&T card


@angelzrfree wrote:

Thank you everyone. I'll see about going in branch once it opens. Unfortunately an old debt has reared its ugly head on my CR, so I'm going to lay low for a bit. 


Oh no, sorry to hear that....good luck, hope you are able to get it cleared up quickly! 🤞🏼

Message 18 of 18
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