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Wow.. Sorry to hear about all the denials...
Looks like DC picked the wrong lender for this card. Not sure they really thought out the lender very well IMHO. Probably should of gone with comenity or Cap1 or the likes.
Appears their UW is very strict still and you will probably see more AMEX Platinum cards and the likes out while out vs. a DC card. I would be surprised if I was ever to see one. Card I probably see the most out while I am out is the Venture card as their marketing must be working very well!!
@FinStar wrote:
Sounds like UMB DC CC is like fly paper 😄
Sorry to hear about yours as well @Anonymous.
I'm sensing the initial and natural reaction from MF is disdain toward UMB, but I'm sure there are approvals that fit their UW criteria for the type of customer they're looking for. And, while I'm not they type of ideal customer based on their UW criteria, I'm ok with that. I don't blame their partnership. It's certainly not going to drive me away from DC just because I don't get their plastic. Same with Sallie Mae. There's just certain ones that are not going to work out for most of us.
I don't know many super comic fans who have the credit that UMB wants. Marvel made the right choice with Sync. I won't ever understand why they choose UMB for this one.
Does anyone know how long of a memory ARS has? If it's less than 15 years, mine should be pretty uneventful.






















































AJC,
Sorry to hear you got declined. I'm not even going to try. I read that UMB is not BK friendly.
Guyatthebeach
@Guyatthebeach wrote:AJC,
Sorry to hear you got declined. I'm even going to try. I read that UMB is not BK friendly.
Guyatthebeach
Did you mean "not" even gonna try?
I'm in the same thought that they might be like another Chase "BK auto-decline" so I'm saving me a HP for now until some BK DPs surface.
















Oops! Voice to text doesn't work well all the time!
I haven't heard of a single approval yet for these new DC cards.
Guyatthebeach
Anyone else other than @Pizza1 result we're hoping for an approval on?















