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Duck Card approval question

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kiasmith1974
Contributor

Duck Card approval question

DH applied for this card and got a 7-10 message, today he gets a letter with nothing but a credit score on it. 689 EQ

 

He is reluctant to call stating "let the chips fall where they may" blah!

 

he has a very thin file,

 

4000 kays account

 

AU on several of my cards, about %20 utl

 

no baddies

 

Has anyone received a letter with a score and then a letter with a denial???

 

Thanks

 

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 1 of 9
8 REPLIES 8
Creditaddict
Legendary Contributor

Re: Duck Card approval question


@kiasmith1974 wrote:

DH applied for this card and got a 7-10 message, today he gets a letter with nothing but a credit score on it. 689 EQ

 

He is reluctant to call stating "let the chips fall where they may" blah!

 

he has a very thin file,

 

4000 kays account

 

AU on several of my cards, about %20 utl

 

no baddies

 

Has anyone received a letter with a score and then a letter with a denial???

 

Thanks

 


The card will arrive tomorrow if he got letter with score today.

you could call and get your credit line info now though if you want.

Message 2 of 9
kiasmith1974
Contributor

Re: Duck Card approval question

He said he would wait it out either way

 

 

but thank you for the information......i for one am pleased as i got denied Smiley Mad but i need to be gardening anyway

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 3 of 9
brindle26
Regular Contributor

Re: Duck Card approval question

Yes thank you, that is the very same question I wanted to ask. Got my letter today with a score of 679.

Message 4 of 9
FinStar
Moderator Emeritus

Re: Duck Card approval question


@brindle26 wrote:

Yes thank you, that is the very same question I wanted to ask. Got my letter today with a score of 679.


IIRC, you get the letter with score first then the CC within a couple days.  Otherwise, if it was a denial, you would have gotten the letter with the reasons and score.

Message 5 of 9
alvon123
Super Contributor

Re: Duck Card approval question


 


The card will arrive tomorrow if he got letter with score today.

you could call and get your credit line info now though if you want.


+1


Message 6 of 9
amdm2013
Frequent Contributor

Re: Duck Card approval question

How long did it take to receive the letter after applying?
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 7 of 9
brindle26
Regular Contributor

Re: Duck Card approval question

I applied on the 10th, so 7 days.

Message 8 of 9
amdm2013
Frequent Contributor

Re: Duck Card approval question

Thanks.

CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 9 of 9
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