*Update* Regions Visa Maybe Approval?

[Gmood1]

Yeah, same scenario as my app.

Yes it is manually reviewed. You can can call in and ask about the app.

They'll look up the app for you.

And tell you if approved. Sounds like you are. I saw the same screen before hitting the submit button.

Trick to getting the SL, if they don't tell you, is to call and walk through the automated system.

Go to account information and use SS number to retrieve it.

The UW is super slooooowwww.😂

It may take several days or a week before the information shows up on the automated system.

[sarge12]

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@Gmood1 wrote:

Yeah, same scenario as my app.

Yes it is manually reviewed. You can can call in and ask about the app.

They'll look up the app for you.

And tell you if approved. Sounds like you are. I saw the same screen before hitting the submit button.

Trick to getting the SL, if they don't tell you, is to call and walk through the automated system.

Go to account information and use SS number to retrieve it.

The UW is super slooooowwww.😂

It may take several days or a week before the information shows up on the automated system.

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So why was mine instantly approved with a 10,000 dollar limit? No get back to me, being reviewed, just congratulations your app has been approve with a 10,000 dollar limit.

[Gmood1]

@sarge12 

They already know you're the man Sarge.😂😂

The scrubs like myself have to go to a manual review.

Kidding of course.😉

I was told that even those that show instant approvals are still manually reviewed before sending out the card.

[Anonymous]

Maybe your mailer was for a prequalified offer and mine was only a preselected, so you got the instant approval? 

[Meanmchine]

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@Gmood1 wrote:

Yeah, same scenario as my app.

Yes it is manually reviewed. You can can call in and ask about the app.

They'll look up the app for you.

And tell you if approved. Sounds like you are. I saw the same screen before hitting the submit button.

Trick to getting the SL, if they don't tell you, is to call and walk through the automated system.

Go to account information and use SS number to retrieve it.

The UW is super slooooowwww.😂

It may take several days or a week before the information shows up on the automated system.

---

Is this still true if you're preapproved on their website?

[Anonymous]

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@Gmood1 wrote:

Yeah, same scenario as my app.

Yes it is manually reviewed. You can can call in and ask about the app.

They'll look up the app for you.

And tell you if approved. Sounds like you are. I saw the same screen before hitting the submit button.

Trick to getting the SL, if they don't tell you, is to call and walk through the automated system.

Go to account information and use SS number to retrieve it.

The UW is super slooooowwww.😂

It may take several days or a week before the information shows up on the automated system.

---

I saw your other post about being able to call and get SL with SS, but the prompt asked for my social then my account pin number, which I obviously don't have yet. I suppose if it is in a manual review I wouldn't have an account to get the SL on, but I wanted to try once a day or so to see if there is any movement. If I don't hear anything by Friday I'll bite the bullet and just call to speak to an actual rep.

[sarge12]

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@Anonymous wrote:

Maybe your mailer was for a prequalified offer and mine was only a preselected, so you got the instant approval? 

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It says pre-selected. 1.5% cash rewards on your purchases and You're pre-selected. The 200 dollar sub, 0 interest for 18 months and 15.49% thereafter were all spelled out in the offer. Only the starting limit was unknown prior to approval, and that wound up being 10,000.

[Anonymous]

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@sarge12 wrote:

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@Anonymous wrote:

Maybe your mailer was for a prequalified offer and mine was only a preselected, so you got the instant approval? 

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It says pre-selected. 1.5% cash rewards on your purchases and You're pre-selected. The 200 dollar sub, 0 interest for 18 months and 15.49% thereafter were all spelled out in the offer. Only the starting limit was unknown prior to approval, and that wound up being 10,000.

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Well, I'm not sure then. I just pulled out the mailer to make sure I didn't get confused and it definitely shows a $250 SUB. Maybe they are trying to grow their footprint in my geographic area? One of their locations opened recently in my town, so maybe this is new territory for them. 

[sarge12]

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@Anonymous wrote:

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@sarge12 wrote:

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@Anonymous wrote:

Maybe your mailer was for a prequalified offer and mine was only a preselected, so you got the instant approval? 

---

It says pre-selected. 1.5% cash rewards on your purchases and You're pre-selected. The 200 dollar sub, 0 interest for 18 months and 15.49% thereafter were all spelled out in the offer. Only the starting limit was unknown prior to approval, and that wound up being 10,000.

---

Well, I'm not sure then. I just pulled out the mailer to make sure I didn't get confused and it definitely shows a $250 SUB. Maybe they are trying to grow their footprint in my geographic area? One of their locations opened recently in my town, so maybe this is new territory for them. 

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I am not complaining $200 SUB on a 1.5% reward card with 18 months at 0% is the best offer to hit my mailbox in a while. Regions bank also has a branch closer to my house than any bank, so I may visit to see if other banking needs could be done there.

[Gmood1]

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@Meanmchine wrote:

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@Gmood1 wrote:

Yeah, same scenario as my app.

Yes it is manually reviewed. You can can call in and ask about the app.

They'll look up the app for you.

And tell you if approved. Sounds like you are. I saw the same screen before hitting the submit button.

Trick to getting the SL, if they don't tell you, is to call and walk through the automated system.

Go to account information and use SS number to retrieve it.

The UW is super slooooowwww.😂

It may take several days or a week before the information shows up on the automated system.

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Is this still true if you're preapproved on their website?

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If pre-approved, you'll know your SL instantly.

Where as I had to call in for mine.

The woman I spoke to said all apps must pass through the back office as she called it.

They aren't sensitive to much of anything. Inqs or new accounts 😂

I think it's just something they do.

Not as thorough or unforgiving as US Bank UWs.

I was also informed, they have a new system that initially processes the apps and spits out the limit.

She didn't sound to fond of it.

She said they didn't have any control over what credit limits to issue anymore.