BB&T Pre qualified for 3 cards however...(EDIT: APPROVED!)

[Anonymous]

I closed the page and could not get the page back. 2 days later, I went to the branch to create a profile and ended up opening a checking account for good measure. The banker saw the offer for all 3 cards, applied through the link and I got the 

Thank you for your interest in a BB&T Spectrum Cash Rewards credit card. Your application will be reviewed by an account services specialist, and a decision should be reached within 2-3 business days. You will receive another email notification once this decision has been made.

Thank you for considering BB&T for your banking needs.

Oh I also got a hard pull. So it was a double whammy. Is 2-3 days a decline?

[Anonymous]

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@Anonymous wrote:

I closed the page and could not get the page back. 2 days later, I went to the branch to create a profile and ended up opening a checking account for good measure. The banker saw the offer for all 3 cards, applied through the link and I got the 

Thank you for your interest in a BB&T Spectrum Cash Rewards credit card. Your application will be reviewed by an account services specialist, and a decision should be reached within 2-3 business days. You will receive another email notification once this decision has been made.

Thank you for considering BB&T for your banking needs.

Oh I also got a hard pull. So it was a double whammy. Is 2-3 days a decline?

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Sorry to hear about the HP.  Probably should have done it through the pre-qual site instead of in-branch.   The 2-3 day message seems to be just a verification / manual review message - not a dreaded "Amex 7-10 days"-style message.

[Anonymous]

@Anonymous Thanks for the reply. I read a thread where they went to the branch and applied through the prequalify link which is what I did (Unless the banker screwed up). The offers popped up on my profile and we applied through that.

[Anonymous]

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@Anonymous wrote:

@Anonymous Thanks for the reply. I read a thread where they went to the branch and applied through the prequalify link which is what I did (Unless the banker screwed up). The offers popped up on my profile and we applied through that.

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I had a thread @Anonymous  where I had to visit the branch to finalize and luckily have never received a hard pull....not sure if it was my thread you saw.  If it was, the main difference that I can tell is that I did complete my pre-qualification by choosing a card and completing on-line app vs. you closed out the pre-qualify page before accepting by choosing a card and completing.  This might be the difference why you received hp when app was completed in branch?  Just a guess.  Sorry about your hp, but looking forward to reading your post upon final approval!  I have received my card and am enjoying it thus far, no issues once I received and good customer service.  

[Anonymous]

@AnonymousBingo, it was your post lol. It did have an APR of 17.24% and a limit of $5500 so we will see. Thanks for your post regardless! I kind of feel like the banker just didn't know what they were doing and could've just cold apped instead of clicking the pre qualify. Sometimes bankers aren't the most informed.

[Anonymous]

You could very well be right! 😁 Yay, 5,500 👏🏻👏🏻👏🏻

[Meanmchine]

Good luck !!

Sorry abot the HP

[Anonymous]

@Meanmchine @Anonymous @Anonymous 

I am pleased to announce....

Congratulations! Your application for a BB&T Spectrum Cash Rewards credit card has been approved. As a valued client, we want to thank you for opening a BB&T credit card account. You will receive your new BB&T Spectrum Cash Rewards credit card within seven business days. We will notify you once your card is on the way.

Be sure to activate your card¹ once you receive it to take advantage of all the benefits your new account has to offer, including interactive fraud alerts, zero liability on unauthorized purchases², and travel and emergency assistance services³.

We look forward to serving your needs and exceeding your expectations. If you need further assistance, please contact the BB&T BankCard Care Center at 800-476-4BBT(4228).

¹Please activate your card immediately. For your security, your account may be closed if you do not activate promptly, and you may need to re-apply to have a new card issued.

²Visa's Zero Liability Policy does not apply to certain commercial card transactions or any transactions not processed by Visa. Cardholder must use care in protecting the card and notify BB&T immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your Cardholder Agreement.

³Certain terms, conditions, and exclusions apply. For more information, please visit Visa's Card Benefits website, or refer to the Guide to Benefits mailed with your card.

Credit cards are subject to business type and credit approval and are issued by Branch Banking and Trust Company, an Equal Housing Lender.

This forum rocks.

[GApeachy]

@Anonymous Just sticking my head in here to congratulate you.  You may (May) have dodged a bullet cuz there have been a couple of recent negative outcomes with the online app/ immediate closure(s).  Could be verification with them, Idk unless they go inbranch to see.

So congrats again...did they let you know the sl?  

[Anonymous]

yes it was for $5,500 @ 17.24%

@GApeachy