Applied for a Saks card in store and got the "further processing by mail" Is that a bad sign?

[brojen]

Applied for a Saks card and got the "further processing by mail" Is that a bad sign?

Has anyone had any experience with this? Does anyone know who they pull and strict they guidelines are?

[hedgeclipper2]

Saks is HSBC, they probably pulled equifax.  What are you scores, stats, etc?

[Creditaddict]

---

@brojen wrote:

Applied for a Saks card and got the "further processing by mail" Is that a bad sign?

Has anyone had any experience with this? Does anyone know who they pull and strict they guidelines are?

---

Probably not a good sign, at Neiman Marcus (also backed by HSBC) if you applied in store you got decision right then, if it was iffy we had to call in to have it manual reviewed on the spot.  I probably would have made them call while you were there.

[hedgeclipper2]

Side note....

I have Best Buy Mastercard platinum and an HSBC 2% Cash back card.  Could I even apply for Saks and/or Neiman?  I know HSBC has a max card limit thingy....

[Pushto700]

---

@Creditaddict wrote:

---

@brojen wrote:

Applied for a Saks card and got the "further processing by mail" Is that a bad sign?

Has anyone had any experience with this? Does anyone know who they pull and strict they guidelines are?

---

Probably not a good sign, at Neiman Marcus (also backed by HSBC) if you applied in store you got decision right then, if it was iffy we had to call in to have it manual reviewed on the spot.  I probably would have made them call while you were there.

---

+1

[Creditaddict]

The max card limit with HSBC does not include store cards. I use to have orchard, household, saks and neimans

[hedgeclipper2]

---

@Creditaddict wrote:

The max card limit with HSBC does not include store cards. I use to have orchard, household, saks and neimans

---

Cool, thanks!  Although I am not sure I want to get stuck with another 3 digit limit, ugh HSBC...

[brojen]

Thats to bad, EQ is my lowest. Its about 636. Would it help to call in to have it looked at manally now?

[Anonymous]

This sounds like a denial. Best of luck.