Just apped for Amazon Store Card - asked for verification

[Shann0n_marie]

Just apped for Amazon Store Card - asked for verification, I called in and verified my info and they sent me a text authentication code.

They then said my app needs further processing 3-7 days?  Approval, denial?

My FICO is 656 and my TU tracker has said it's gone up about 10 pts since then (not FICO) so it is still that or higher. Utility is at 7%

What do you guys think?  Do I just wait or can I call in again and do anything to push the issue?

[Ron1]

It happened to me for Gap Visa. It was denied. I got the letter. They weren't able to identify my identity.


Ron.

[ryox03]

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@Shann0n_marie wrote:

Just apped for Amazon Store Card - asked for verification, I called in and verified my info and they sent me a text authentication code.

They then said my app needs further processing 3-7 days?  Approval, denial?

My FICO is 656 and my TU tracker has said it's gone up about 10 pts since then (not FICO) so it is still that or higher. Utility is at 7%

What do you guys think?  Do I just wait or can I call in again and do anything to push the issue?

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Could go either way. The score itself is fine for the card.

[Anonymous]

I applied with scores a little higher than yours and got flat out denied, So hopefully it's just verification.   I've seen people with lower scores get in.  I'll keep my fingers crossed for you.  

[DeeBee78]

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@Shann0n_marie wrote:

Just apped for Amazon Store Card - asked for verification, I called in and verified my info and they sent me a text authentication code.

They then said my app needs further processing 3-7 days?  Approval, denial?

My FICO is 656 and my TU tracker has said it's gone up about 10 pts since then (not FICO) so it is still that or higher. Utility is at 7%

What do you guys think?  Do I just wait or can I call in again and do anything to push the issue?

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The Synchrony verification is a fairly new thing they do when you use a cell phone number in your application. While verification is usually as good thing with most lenders, It has no bearing on whether or not you're approved with Synchrony.

[Bmac66]

I was just approved for the Chase Freedom card 2 weeks ago no questions. asked. Apped for the Amazon Visa thru Chase on Saturday and received a denial after calling in for verification.  Good luck!

[ryox03]

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@Bmac66 wrote:

I was just approved for the Chase Freedom card 2 weeks ago no questions. asked. Apped for the Amazon Visa thru Chase on Saturday and received a denial after calling in for verification.  Good luck!

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Two different lenders for the Store Card and the Visa. Store card is through Syncrony

[taxi818]

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@ryox03 wrote:

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@Bmac66 wrote:

I was just approved for the Chase Freedom card 2 weeks ago no questions. asked. Apped for the Amazon Visa thru Chase on Saturday and received a denial after calling in for verification.  Good luck!

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Two different lenders for the Store Card and the Visa. Store card is through Syncrony

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+1 apples to oranges. I can understand with chase. but with Synchrony wow.

[Shann0n_marie]

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@DeeBee78 wrote:

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@Shann0n_marie wrote:

Just apped for Amazon Store Card - asked for verification, I called in and verified my info and they sent me a text authentication code.

They then said my app needs further processing 3-7 days?  Approval, denial?

My FICO is 656 and my TU tracker has said it's gone up about 10 pts since then (not FICO) so it is still that or higher. Utility is at 7%

What do you guys think?  Do I just wait or can I call in again and do anything to push the issue?

---

The Synchrony verification is a fairly new thing they do when you use a cell phone number in your application. While verification is usually as good thing with most lenders, It has no bearing on whether or not you're approved with Synchrony.

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Thanks... I don't have any Synchrony accounts yet so I sure hope I get in.  I've been wanting this card forever!

[Anonymous]

I was approved with lower scores than yours, higher utilization and a few baddies. Good luck.