Fidelity Rewards Visa - Anyone Apply?

[12njoy]

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@pip3man wrote:

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@12njoy wrote:

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@B335is wrote:
Sorry to hear 12njoy. I called after my app and he said denied. I asked the CSR to resubmit for another review. It's been two weeks and haven't heard a thing.

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Just called UW to ask for recon.  Now I was told that my app was declined due to 7 new accounts in the last 6 months and then she said you've opened 18 in the last year.  Understandable.  She said wait 6-9 months and reapply.  That's 6-9 months without app's so we know that won't be happening   On a side note, I was approved for the WF Propel card with 15 months 0%.  Only a $3,000 approval but I'll move a portion of $37,500 WF Platinum card over to take advantage of the 0% BT.

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If I remember correctly I had like 21 new accounts in the last year when I was approved. I think that targeted offer is most likely what got me in with them...

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They've never really been receptive to me.

[minski]

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@Anonymous wrote:
@Creditplz if u have a Fidelity account setup login online and it will pop up after a few days on ur profile if your approved, if I would have waited on mail or email that was definitely 10 days later!

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Whoa! Thanks for the tip!

I'd been waiting for 7 days to hear from them. I thought for sure that I'd been denied. 

It's showing up on my account! Only $5K but I'll take it. lol. I was hoping to have it replace Citi Double Cash. Glad I can do so and have the incentive to finally fund my Roth IRA. lol. Baby steps. 

ETA: They pulled EX for me in NY. Or rather, US Bank pulled EX (I'd applied for US Bank Cash Plus first and then Fidelity on same day) and they combined the pull likely. 

I did not freeze any external reports so they will have seen that I had 5 inquiries total in the past 5 years and 5 new accounts, 3 specifically on EX. If they used US Bank pull, that is. Unless they also were able to see that I'd applied to Chase and Blispay after US Bank and before Fidelity. lol.

My scores were hovering in high 700s all throughout. 

[Creditplz]

They denied me for "18 Inq in 2 years" I have had like 45 Inq in the past 2 years due to not knowing a single thing about credit and rebuilding once I found the forums!

[Creditplz]

It's okay I have a Blispay card for 2% anyways !

[Anonymous]

I just applied for this card last week. 729 EXP and 7k in Fidelity in CMA and over 100k in Fidelity investments. Got a 7-10 day wait. Kind of dissapointing that Elan is taking this long with a decision. Called today and they could not answer the phone in about 10 minutes,so I hung up waiting..I guess they were slammed after their holiday plus their message said expect a 2 week wait for a decision.

The HP was done against EXP last week. I have read that others that are already Fidelity customers are getting the 7-10 day wait message. I can only guess they are waiting on verifying what you have invested with Fidelity to determine underwriting on this card. Will see what happens. 

[Anonymous]

Pretty much the same here.. applied for the card on 5/26 at about 11PM since I was bored as my wife was watching The Ellen Show .

All my scores are between 745 and 760. I have had a relationship with Fidelity for about 10 years with decent assests in Brokerage, CMA and 401k's and I was "Auto- Approved" with no PSSL, $25k revolve limit, standard 14.24% APR and confirmation that I should recieve my card via USPS in 7-10 business days.

I haven't received anything and wasn't expecting to with the holiday weekend. I didn't see anything when I logged into the app to check my balances before the markets opened up this morning, but then it was there when i logged in again after markets closed. So now I just have to wait for the card to arrive.

[Anonymous]

@exchguy login to ur account online and look for the card to pop up there on your profile, with ur stats and relationship I'm pretty sure you have an approval ...congrats @i_rivera90 niccceee never seen auto approval and nice SL too!!

[Revelate]

At least you're not waiting for them to convert your card.

I got something in the mail last week stating that was happening in the future, and it launched what Jan 4th?

Meh.

[B335is]

Just an update. I got my denial letter and it only cited total debt obligations. I have about 30k at the moment but it will drop to 20k this month. Elan has always been a difficult one for me. Interesting point however; US Bank gives me fairly regular CLI on my accts with them.

[Creditplz]

B335 was denied?! I'll just face that I'll never be in with Elan... Hahaha, I had a Platinum US bank visa and they questioned me a ton on "I see that you PIF and then decided to close it 9 months after opening" -.-