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Hey all,
I applied on my last spree for the Sphere card in mid-november, went to a review message figured it was a denial, never received an AA action letter or heard anything from them. Then I received a phone call from their underwriting department today! More than a month later! By the time I got it the lady had already left here office so I will call back tomorrow, but has anyone had any experience with? As an approval in my future? EX was 689 when I applied its 705 now.
@Anonymous wrote:
I just made a post on this bank... the other card tho... the Bravo. Wondering if you got this and how you like the card? Customer service? Any red flags? Thx
I'd say it's a bit of a red flag that it's taken over a month to make a decision on a credit card app!
@Anonymous wrote:Hey all,
I applied on my last spree for the Sphere card in mid-november, went to a review message figured it was a denial, never received an AA action letter or heard anything from them. Then I received a phone call from their underwriting department today! More than a month later! By the time I got it the lady had already left here office so I will call back tomorrow, but has anyone had any experience with? As an approval in my future? EX was 689 when I applied its 705 now.
I think it's a positive signal. Probably looking for income or identity verification, or has a question or two.





























30 days is not abnormal for Santander.
They take forever to manually review apps
Update! This has been my longest approval ever, literally about 2 months since I applied and I just got the credit card "pin" in the mail today. Called in today to see what was going on as they denied me a checking account (was trying to get the bonus) because I lived to far away from their "footprint" okay cool.... well anyway long story short 3 weeks ago got a denial letter for the credit card app saying they were unable to verify my address and that was the only reason, so I rolled the dice sent a copy of my Driver License and Lease Agreement back to the Credit Card appeal address. The approval is for the Sphere card with a measly $1,200 limit but at least I have a MC in my profile now and hopefully can convince them to hook me up with the checking account now that I have a relationship with them. I am also excited to have a card that does not have a Chip in it! The lady I spoke with said they didn't have any plans to put chips in the card either, praise! Looking forward to using this card just so I can get that sastifying "swipe" feel.
Promo with the card is 24 months 0% APR BT, 12 months 0% on purchases, and 10,000 points after $1k spend so not bad, certainly would prefer to have a bigger limit but it will grow in time hopefully.
Congrats! Not an easy approval with this bank.
@woodyman100 wrote:Congrats! Not an easy approval with this bank.
Thanks, that is what I have heard and experienced franky surprised I was approved lol!