Strange Application Situation

[KeithW]

I was looking for a card with 0% introductory rate and found my bank offered 24 months through Elan Financial. I applied for the card and was approved for $7500. I was then taken to a window to do balance transfers and added 3 cards to transfer a total of $3,000 dollars from. When I clicked finished, it said I had timed out and needed to start over. When I did, it said they couldn't give me a decision on my application at this time. Wasn't I already approved???? 

That was last night and 24 hours later I haven't received any emails or phone calls, but I do see that they pulled my credit report. I haven't ever experienced anything like this before. Has anyone else? 

[M_Smart007]

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@KeithW wrote:

I was looking for a card with 0% introductory rate and found my bank offered 24 months through Elan Financial. I applied for the card and was approved for $7500. I was then taken to a window to do balance transfers and added 3 cards to transfer a total of $3,000 dollars from. When I clicked finished, it said I had timed out and needed to start over. When I did, it said they couldn't give me a decision on my application at this time. Wasn't I already approved???? 

That was last night and 24 hours later I haven't received any emails or phone calls, but I do see that they pulled my credit report. I haven't ever experienced anything like this before. Has anyone else? 

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Hi @KeithW , I would follow up with a phone call.

[KeithW]

I probably will. I expected them to call or email. 

[Brian_Earl_Spilner]

Yes, I had that happen with NFCU and DCU. Secured message and phone call, respectively, took care of it. This is why I don't do the balance transfers during the app. Usually, you have between 2-4 months to initiate the BT so I wait until the app is complete. If I won't be getting account access in a reasonable amount of time, I'll call in and let the csr set up the BT for me.

[M_Smart007]

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@KeithW wrote:

I probably will. I expected them to call or email. 

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You would think they'd call or email, but that is not always the case, in fact many times they don't.

You pretty much have to be pro active.

[Gmood1]

Expect those transfers to take 2 weeks in order to process.

I like US bank, but the BT times are off the charts!😂

I equate the US bank BT checks being delivered by pony express circa 1885.😆😆😆

Definitely give them a call. And may the force be with you on those BTs.

[KeithW]

That was strange. I sent them an email and received a welcome email at 2:40am saying my card was on the way. Coincidence? I think NOT!

[M_Smart007]

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@KeithW wrote:

That was strange. I sent them an email and received a welcome email at 2:40am saying my card was on the way. Coincidence? I think NOT!

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@KeithW, Congratulations on your approval ... glad it all worked out for you

edited: Need more coffee

[AllZero]

Congratulations on your approval!

[ChargedUp]

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@Gmood1 wrote:

Expect those transfers to take 2 weeks in order to process.

I like US bank, but the BT times are off the charts!😂

I equate the US bank BT checks being delivered by pony express circa 1885.😆😆😆

Definitely give them a call. And may the force be with you on those BTs.

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I did a small BT on my Elan card once and they paid BoA within 48 hours.