Banana Republic Visa

[fedxboy]

The other day, while online I was shopping at the Banana Republic site and decided to app for their visa card for an additional % off (I know, dumb!) So I app'd and didn't get instant approval and then put the order on my Blispay card instead.  The next day, I called up customer service -- not to check up on card, but to let them know I was no longer interested in the Banana Republic credit card after seeing the current APR of 25 something percent.  I told them about the inquiry and how I accept that, since I did apply, but I wanted them to stop the process.  The rep said they CAN NOT stop the process, once it's been initiated and I found that answer to be ridiculous, so she transferred me to another person.  The other person asks for my personal info and looks up the app.  She comes back online to tell me the card has been declined!!  I said, "That's Great!!"  and told them how I didn't want the card anyways because of the high interest rate and getting "dinged" for opening another account.  She reiterates and says, "I'm sorry, but you've been declined!"  and I was like, I guess you don't understand - I couldn't be happier, since I no longer wanted the card and that's good news!!  So we hang up........

Days later while checking, my daily USAA credit pulls -- there's a new account for the Synch/Banana Republic DC card $1200 SL and I thought to myself  "CRAP"   I'm surprised they told me I was declined and yet they still opened it up for me...ugh..... 

No need to congraulate me, as I changed my mind about wanting the card, after the fact and was happy to learn it was declined.  Just goes to show how one hand doesn't know what the other hand is doing with that company.  Just yesterday, I returned my order from Banana Republic to the physical store - 1 pair of jeans and 3 shirts and decided to keep 1 of the shirts and they gave me 40% off....  Happy in this aspect, but not happy with the former aspect above....  Oh well, live and learn -- have a great day!!

[Meanmchine]

My condolences. I will light a candle

[Anonymous]

I mean may as well leave it open now... maybe the underwriter thought they were making you have a bad day but declining, but they found out that is what you wanted so they approved so you would be mad? Idk.

[Pway]

I kinda had the same thing happen to me with the Dicks Sporting Goods card.  I applied in store and was given the 7-10 day message.  I called and they told me the app was declined.  A couple days later, I receive a call from SYNCB asking me if I was still interested in the card.  I said yes, and they said I was approved.  

[happypill]

Congrats...or maybe not.

Did they end up giving you the Visa or the store card?  Is it possible to apply only for the Visa?

[fedxboy]

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@happypill wrote:

Congrats...or maybe not.

Did they end up giving you the Visa or the store card?  Is it possible to apply only for the Visa?

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No, it's not possible to only apply for the Visa -- you apply and they determine which card you're getting..

I haven't received the card yet, but I know it's the Visa because the credit report from USAA says, Synch/BananaRepub DC....  and with all Synch cards, the DC stands for Dual Card -- meaning Visa/MC and the limit is a paltry $1200 according to the report.   I just got the CheapOair Sig Visa from Synch the week before $6k and a Delta Amex.

[Anonymous]

Congrats...even though you didn't want it. I want the Visa card but unfortunately have the store card.