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I was looking for a Christmas present for my mom, decided to apply online. It was about an hour before they closed between Pacific and Eastern time zones. It gave me decision pending within an hour. About 30 minutes later they said a decision was made. It gave me 20 day notice, it doesn't look too good. I have a lot of new accounts, nothing negative:
*Update*
After taking two pay stubs to the store I was approved for $5400
I have that card and I hate it.
i keep using it but regret it every time.
but....they did give me credit when I had none and needed it the most.....
just hate the way you payment is a non variable rate installment all the way down to zero.


@B335is wrote:
I might have failed the security questions. I'll try calling tomorrow or Friday depending if they're open. What's your limit Cmikul?
Its weird.
the actual limit is $7600 but I have buying ability up to $10,005
my first initial purchase was $10,225.... It all went thru.
on my reports it shows the $10k value as my limit.
Strange but but it helps my utilization look better so all the better


Kays and Jared are the same creditor. I heard they split the credit line if you have both. I had to wait for an hour for decision. Did you answer the security question correctly?
Ron.
Keeping my fingers crossed for you!
GL on another happy outcome ![]()