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CSR Pending Review

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Anonymous
Not applicable

CSR Pending Review

So, applied for a CSR earlier today and received a "Pending Additional Review and we'll get back to you as soon as we can..." message. Got me a bit worried as my credit score is in the 830s, and I have no other credit card debts pending. My only debts are my mortgage, car payment, and student loans. I havent applied for a credit card in years.

So, I called the automated number to check application status and it says "We'll notify you within 30 days..." message.

Unhappy with that response, I called the reconsideration hotline to talk to an actual agent, who then transferred me to someone else to review my application on the spot to help expedite the application process. The agent then reviewed my application, placing me on hold for about 5 minutes (coming back every so and so to let me know she was still reviewinig) and then said they needed to verify who I am, so she asked for my phone number, sent an automated text with pin, asked me to read her the pin, and then APPROVED. The card then showed up on my online profile with the card to be sent shortly.

Has anyone experiened this? The application was on "pending review" just to verify who you are? They didn't ask any security or public related questions. Just reviewed the application, sent a text, ask for the pin, and that was it.

It just seemed... odd. Haha! Nonetheless, got approved but still weird.


 

Message 1 of 17
16 REPLIES 16
CreditGame12
Contributor

Re: CSR Pending Review

I've seen it around the boards that this happens. The good thing is when they send the text and you give them the code, it allows them to verify you by phone number.

 

Congrats on the approval!

Message 2 of 17
Anonymous
Not applicable

Re: CSR Pending Review

Congrats on your approval and massive SL !!!!!

 

 

 

Message 3 of 17
Anonymous
Not applicable

Re: CSR Pending Review

Thanks! I got 30k.
Message 4 of 17
Nova5041
Frequent Contributor

Re: CSR Pending Review


@Anonymous wrote:
Thanks! I got 30k.

Congrats on the Approval, and great SL! 


BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 5 of 17
AverageJoesCredit
Legendary Contributor

Re: CSR Pending Review

Congrats Smiley Happy
Message 6 of 17
19eighty5
Senior Contributor

Re: CSR Pending Review

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 7 of 17
Anonymous
Not applicable

Re: CSR Pending Review

thanks everyone! 😁
Message 8 of 17
Cred4All
Valued Contributor

Re: CSR Pending Review

$30k for days!  Congrats!


Message 9 of 17
Anonymous
Not applicable

Re: CSR Pending Review


@Anonymous wrote:

So, applied for a CSR earlier today and received a "Pending Additional Review and we'll get back to you as soon as we can..." message. Got me a bit worried as my credit score is in the 830s, and I have no other credit card debts pending. My only debts are my mortgage, car payment, and student loans. I havent applied for a credit card in years.

So, I called the automated number to check application status and it says "We'll notify you within 30 days..." message.

Unhappy with that response, I called the reconsideration hotline to talk to an actual agent, who then transferred me to someone else to review my application on the spot to help expedite the application process. The agent then reviewed my application, placing me on hold for about 5 minutes (coming back every so and so to let me know she was still reviewinig) and then said they needed to verify who I am, so she asked for my phone number, sent an automated text with pin, asked me to read her the pin, and then APPROVED. The card then showed up on my online profile with the card to be sent shortly.

Has anyone experiened this? The application was on "pending review" just to verify who you are? They didn't ask any security or public related questions. Just reviewed the application, sent a text, ask for the pin, and that was it.

It just seemed... odd. Haha! Nonetheless, got approved but still weird.


 


Congratulations on your CSR approval.

 

The Status Update Line would have eventually changed to the 7-10 day message; you just short-circuited the process.

 

Just last week I applied in-branch and got the 7-10 day message, went home and unlocked my credit reports, then went back to the branch where the personal banker called the analysts directly and they were able to retrieve my app and approve it.  I didn't even get a text since I was right in a branch and the banker vouched that I was there.

Message 10 of 17
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