cancel
Showing results for 
Search instead for 
Did you mean: 

BMO Harris - UPDATE: Approved

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

BMO Harris - UPDATE: Approved

I applied online through my BMO login and received an error saying we can’t process your application. My TransUnion was pulled. I live in their foot print (three branches in town).

I preferred to apply online since the banker here made several errors when my spouse and I opened our checking accounts that took us a few weeks to get worked out (forgot to order our checks, forgot to have us sign all the opening paperwork twice and had to call us in twice to have us sign everything).

Will I have to reapply in a branch or over the phone even though they clearly pulled my credit report?

Message 1 of 29
28 REPLIES 28
Highlighted
Moderator

Re: BMO Harris

You may need to reapply, but you would need to contact them first to determine next steps based on your depository relationship - just in case it may not register you as a BMO customer when applying.   AFAIK, you can also submit the application over the phone as well just in case there's a glitch when doing it online.

 

You can also reference this thread as well:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BMO-Harris-Cash-Back-MasterCard-Approval/td-p...

Message 2 of 29
Highlighted
Established Contributor

Re: BMO Harris

Thank you FinStar
Message 3 of 29
Highlighted
Established Contributor

Re: BMO Harris

I called credit card customer service. Was told since I received the error message that I’d probably need to apply again. I told him since I got a HP, can he double check that my application wasn’t received. After a ten minute hold, he told me I was approved.

I’ll believe it when I see it on my login.
Message 4 of 29
Highlighted
Moderator

Re: BMO Harris

Congrats on the approval OP!   Hopefully a good SL?   Let us know once you get things confirmed or receive the card in the mail. 

 

ETA - I moved your thread to the Approvals section and edited the subject title to reflect the update.  Feel free to edit if you wish.

Message 5 of 29
Highlighted
Valued Contributor

Re: BMO Harris

Congrats on your approval!

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 6 of 29
Highlighted
Super Contributor

Re: BMO Harris - UPDATE: Approved

Congratulations on your approval!
Message 7 of 29
Highlighted
Established Contributor

Re: BMO Harris - UPDATE: Approved

Congrats on the approval!

Message 8 of 29
Highlighted
Valued Contributor

Re: BMO Harris - UPDATE: Approved

Congratulations on your approval!
March 2020
Experian Fico 8. 686
Transunion Fico 8. 697
Equifax Fico 8. 714

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 9 of 29
Highlighted
Super Contributor

Re: BMO Harris


@water88 wrote:
I called credit card customer service. Was told since I received the error message that I’d probably need to apply again. I told him since I got a HP, can he double check that my application wasn’t received. After a ten minute hold, he told me I was approved.

I’ll believe it when I see it on my login.

Congrats

Message 10 of 29
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.