CREDIT CARD CLOSING AFTER UNWANTED CL

[Anonymous]

Dont know how to input screenshots but this is the msg im referencing

(BECU is pleased to inform you that your application has been credit approved. This approval is good for 30 days.

Please reference your application number and fax the documentation listed above to BECU at 206-439-5812 or mail your signed application and documentation to)

[OmarGB9]

I'm not sure I've heard of ANY issuer allowing you to "accept" or "decline" the CC. Any issuer, from my experience at least, will pull your credit, make a decision, and then approve or deny you. I've never had the "choice." The only exception is that new Apple card which gives you a true pre approval which you can then "accept" and take an HP for. But other than that, I've never heard of having the option.

[Anonymous]

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@OmarGB9 wrote:

I'm not sure I've heard of ANY issuer allowing you to "accept" or "decline" the CC. Any issuer, from my experience at least, will pull your credit, make a decision, and then approve or deny you. I've never had the "choice." The only exception is that new Apple card which gives you a true pre approval which you can then "accept" and take an HP for. But other than that, I've never heard of having the option.

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I don't even think you get all of the information (details) of a card until you open it. APR isn't known until after its opened. They give you a range, but the exact one can vary. You can apply for a Visa Signature, and end up with a standard Visa, or vis versa. 

I opened my Propel and was insulted with the 10K line they gave me. But I'm making the most of it and it's at 12K. I'm going to try to grow it to 20K.

[AverageJoesCredit]

I think Op understands now what he did and the affects of applying for credit . Im guessing even the smartest people or the richest have to learn things just like the rest of us. Definetly reevaluate your card line up Op and Navy definetly csn replace certain cards in your lineup. That being said, appreciate you taking the time to post your dilemma.. one course you could tske in future before spplying for a cc is posthere first to get some input/recommendations/advise about a specific card. Many here can give your 1st hsnd experience so it csn really help before taking a hp. Great weekend to ya!

[M_Smart007]

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@AverageJoesCredit wrote:
I think Op understands now what he did and the affects of applying for credit . Im guessing even the smartest people or the richest have to learn things just like the rest of us. Definetly reevaluate your card line up Op and Navy definetly csn replace certain cards in your lineup. That being said, appreciate you taking the time to post your dilemma.. one course you could tske in future before spplying for a cc is posthere first to get some input/recommendations/advise about a specific card. Many here can give your 1st hsnd experience so it csn really help before taking a hp. Great weekend to ya!

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@AverageJoesCredit,  make sure you ask us first .. before "Drapping" k?

and for Godsakes, stay away from "The Fedpen."

[AverageJoesCredit]

Lol @FedPen Thats a good one

[WowCool]

We live & learn OP. 

On a side note:

BBVA from their prequal link, let me see my APR & SL, and the option to accept or decline.That was the first time I've "ever" seen a lender do that. Heard rumor of Apple doing this but I'm Android