cancel
Showing results for 
Search instead for 
Did you mean: 

bmo Harris App

britt585
Regular Contributor

bmo Harris App

Hi just applied over the phone with bmo harris csr for the plat mas card with rewards....I have 2 accts with them chek/sav.....Just curious on their cc. process...Instant or it take it a few days?....They hp TU....Please share...Thanks

Message 1 of 9
8 REPLIES 8
RealityBites
Established Contributor

Re: bmo Harris App

I don't have the experience, but I noticed that the website doesn't say anything about "Get a decision in just 30 seconds" or something similar.





Message 2 of 9
FinStar
Moderator

Re: bmo Harris App


@britt585 wrote:

Hi just applied over the phone with bmo harris csr for the plat mas card with rewards....I have 2 accts with them chek/sav.....Just curious on their cc. process...Instant or it take it a few days?....They hp TU....Please share...Thanks


Decisions can be instant depending on overall profile and BMO Harris relationship.  Otherwise, it will go pending for further review and there's no exact timeframe until processing is complete. Denial or approval after that. 

Message 3 of 9
britt585
Regular Contributor

Re: bmo Harris App..UPDATE

BMO has denied CC application.....Waiting for letter...ugh....They offered me 1K overdraft line of credit during acct opening

Message 4 of 9
FinStar
Moderator

Re: bmo Harris App..UPDATE

Unfortunately, no reconsideration is available once the CC is denied, but on the upside if the ODLOC is an option, then at least there's that. Two separate product platforms btw.
Message 5 of 9
britt585
Regular Contributor

Re: bmo Harris App..UPDATE

I recieved denial letter today from BMO ....It stated OUT OF LENDING AREA....Really I have 2 accts  with them ck/sav.....What gives...I applied over the. phone....

Message 6 of 9
Jnbmom
Community Leader
Senior Contributor

Re: bmo Harris App..UPDATE


@britt585 wrote:

I recieved denial letter today from BMO ....It stated OUT OF LENDING AREA....Really I have 2 accts  with them ck/sav.....What gives...I applied over the. phone....


@britt585 

 

Did you just recently open these accounts??

 

I opened a savings and then tried shortly after for credit card, denied stated I wasn't in service area. I waited til my saving hit 2 months old and applied again, not instant approval but was approved card showed up on my online account.

EXP 758 TU 783 EQ 729
Message 7 of 9
britt585
Regular Contributor

Re: bmo Harris App..UPDATE

thanks I'll start my count  down....lol...Accts were opened 12/4/19

Message 8 of 9
Xatos
Frequent Contributor

Re: bmo Harris App..UPDATE

Appears that their systems are a little slow and hadn't yet recognized you as having accts there, GL on round 2
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.9K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 3K | WF CashWise VS $16.3K | Discover IT $10.8K | Disco IT Miles (#2) 7.5K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $13K | USBank Cash+ VS $13K | Cap1 QS #2 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | Santander Ultimate MC 7.5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 15.5K | BECU Cashback 19.5K | FNBO Evergreen 15K | EX 727 | TU 761 | EQ 730
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.