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I apped for the Regions Cash Rewards Visa based on a "preselected" (I know that's not pre-approved) mailer with an enticing $250 sub. I currently am looking for a 0% intro card for a large purchase and this card also offers 12 mos 0% apr for purchases.
After submitting the app including the number provided on the mailer, I got to a page where they presented me with a credit card disclosure form presumably for the card I was approved for, showing APR at 15.49% (my mailer showed APR at 21.49%) and 18 mos 0% on purchases instead of the 12 mos in the mailer. Sweet, right? Well, I download the disclosure like it prompts me to, then go to the next page and I get a generic "thank you for your application, we will get back to you" message. No approval message, no 7-10 day message, nada. Just we will contact you.
Does anyone know what that means in Regions Bank jargon? I read they have to do a final manual approval on their apps, so should I not consider this a done deal? Or because they gave me the disclosure statement with set terms I should assume I'm approved and waiting on some sort of identity verification only? I want to app another card but don't know if the second inquiry will look back if this file is pending the manual review. I really want that $250 sub! Hah.
I do NOT have a current or past relationship with this bank, if that matters at all.
Thank you!
*Update* Today, 3/29, I checked the automated line 18007344667 again and when I entered my social instead of asking me for a phone pin (the request I had been getting the last few days), I was prompted to make a phone pin. It gave me access and told me my starting line, a slightly disappointing $5000 considering my other recent approvals were an auto CLI on Amex from 8k to 11K and a new Discover IT for 8K. But that's okay, I mostly just wanted this for the SUB and a backup long 0% APR rate. I like to always have one running in case things go south, especially in a financial climate like this.
Three bureaus all have me around 710 with a mostly clean 11 year file - my only negative is a paid, six year old, $88 charge off. They pulled TU which has 2 inquiries, most recent new account 11mos as the Disco isn't reporting yet.
Congratulations ???
Congrats
..... maybe?
..... probably?
..... pretty sure
Thanks for the congrats??? Ya'll are cracking me up!
I just now got a TU alert, so maybe their back end person is doing the review! Fingers crossed!
Um... let us know what happens?
@seattletravels wrote:Um... let us know what happens?
Absolutely!
@Anonymous wrote:Thanks for the congrats??? Ya'll are cracking me up!
I just now got a TU alert, so maybe their back end person is doing the review! Fingers crossed!
@Anonymous wrote:I apped for the Regions Cash Rewards Visa based on a "preselected" (I know that's not pre-approved) mailer with an enticing $250 sub. I currently am looking for a 0% intro card for a large purchase and this card also offers 12 mos 0% apr for purchases.
After submitting the app including the number provided on the mailer, I got to a page where they presented me with a credit card disclosure form presumably for the card I was approved for, showing APR at 15.49% (my mailer showed APR at 21.49%) and 18 mos 0% on purchases instead of the 12 mos in the mailer. Sweet, right? Well, I download the disclosure like it prompts me to, then go to the next page and I get a generic "thank you for your application, we will get back to you" message. No approval message, no 7-10 day message, nada. Just we will contact you.
Does anyone know what that means in Regions Bank jargon? I read they have to do a final manual approval on their apps, so should I not consider this a done deal? Or because they gave me the disclosure statement with set terms I should assume I'm approved and waiting on some sort of identity verification only? I want to app another card but don't know if the second inquiry will look back if this file is pending the manual review. I really want that $250 sub! Hah.
I do NOT have a current or past relationship with this bank, if that matters at all.
Thank you!
I am confused, as I also have no prior relationship with regions bank. my offer was also from a mailer and I was pre-selected. It is a 1.5 % cash back with 0% interest for 18 months, but the SUB is only 200 dollars after 1000 dollars of charges. After entering all the info asked, I was instantly approved with a 10,000 dollar credit limit. I have no idea why my SUB is 50 dollars less than yours. It also will be 15.49% interest after the 18 month 0% introductory rate.