im nearing the 2 week limbo. yesterday i got a letter asking me to call in to verify information. i called and was told that was an auto generated "reminder" letter sent out to everyone who needs to call in. the lady told me my app is in review and it could take 7-10 more business days, then i was told my app would be "sent over" again so a decision could be made perhaps today. we shall see. and if im not approved, i know its not because i have bad credit. its for whatever reason blispay thinks a PIF customer isnt what they need. honestly, i dont look for an approval now, but i still "hope" im approved. this is very frustrating 
well... i finally got the approval email. thanks to all that contributed on this thread. for people still in limbo, unfortunately i have no tip/trick to share. perhaps it's all just a waiting game with blispay.
@CreditCuriousity wrote:Still gotta disagree my best friend has 840+ across board scores (not a member MyFico) applied last week got instant approval for 10k and has 0 cc debt other than house and car payment. I talked him into applying as well due to hidden TL 0% apr for 6 months and 2% CB. Reference is 840 Fico scores, 300k+ income and he owns multiple houses and a car and a long AAoA with 3-4 inquiries on each CRA. Continue to believe what you would like though.. I tell him what to apply for since I live and breath credit
I do agree something is slowing them down for some people though, what it is I have no idea. Keep holding out hope. I understand your frustration and your need to vent. Just throwing out the theory they don't like high scores as that simply isn't completely true as my best friend is evidence of this. He also has about 170k in open credit cards TL's
Please stop oversimplifying what I said. I didn't just "throw out a theory that they don't like high scores." Everyone keeps picking out "high scores" from ALL the factors I mentioned. Not once did I ever say that was the one single factor involved. High scores are only one part of the PROFILE I have been talking about. And I went into great detail about all of those factors, yet everyone fixates on just one of them to argue that I'm wrong, as if that's what I said. IT IS NOT WHAT I SAID. I SAID PROFILE. NOT SCORE.
The PROFILE is people open to carrying balances/debt and paying interest. Believe it or not, mortgages and car payments ARE DEBTS. Pretty big debts, actually, with lots of interest being paid. And income is not a factor with Blispay... it's not even a question on the application.
And yes, I was finally denied after 3 weeks. They know they will not make a penny from me, because no one does. With your friend, they see a possibility because he has a lot of debt that he's paying interest on. They likely envision big home improvement, appliances, decor, etc. purchases. It's not guaranteed, but again, when analyzing data, you drill down to a customer persona/profile based on the likelihood of a certain behavior. Sometimes you'll be wrong. But you pick the customers who have the best chance of generating income for your company... especially if you have limited resources, like this startup does.
That's not my opinion. It's Business 101.
