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For some reason, a few people have told me that sometimes applying online is easier for denial than in person at a register in the store. Does anyone think this is true? I'm happy to be rebuilding, but it's still going to take me another year or two. I got my Cap One in July 12' with $500CL and just recently they raised it to $750. I applied for Walmart and got approved for $700CL, but for some reason Kohls always denies me. I think my most recent score is 691. I have too many inquiries right now, so I will not be applying for any more for maybe another 18 months, unless of course there is one out there easy to get without using inquiries as a factor too much.
That's simple. Nobody likes rejection, especially to their face. Much better with the cold impersonal computer screen doing it to you than a live human being.
Pretty sure sweet talk to the employee won't have any effects on the credit decision.
What I was told by a credit rep was that in-store had a more lenient approach to getting approved, which I find hard to believe. They're basically saying apply in person and you'll get approved as opposed to stricter rules applying online.
It's definitely easier in store. They ask for less information, and I've never been asked my income. Most stores have it where all the questions you answer on the little credit card screen pad so you're not telling the associate anything. I got denied online from a store, and got approved the same day in store.
No particular store, it was just a general question that a rep mentioned to me that in person is approved faster than online.
I was told by a csr that it was better to apply in-store because they can identify you easier than online. When in store they are going to swipe your drivers license and possibly another CC (at least that is what happened with me). So I was thinking that maybe if you're borderline for approval, possibly the in-store can help give you the edge that you need.