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Is there a approval odds difference between in store vs. online ?

tag
PointsBonus
Established Contributor

Is there a approval odds difference between in store vs. online ?

Best Buy visa - Is there an approval odds difference between in store vs. online ?

meaning do they favor more for an approval at the store ? 








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2 REPLIES 2
FinStar
Moderator Emeritus

Re: Is there a approval odds difference between in store vs. online ?


@PointsBonus wrote:

Best Buy visa - Is there an approval odds difference between in store vs. online ?

meaning do they favor more for an approval at the store ? 


No.

 

The only advantage is verification since you're present at a location where ID can be verified on the spot.  Often times they can patch you through a lending representative in the event any issues arise or in the event of an initial credit limit reconsideration.

 

UW algorithms are still going to base the decision based on your overall profile, not because you're at the store.

Message 2 of 3
pizza1
Community Leader
Super Contributor

Re: Is there a approval odds difference between in store vs. online ?

Also, even if applying online, you'll get 1 of 3 outcomes.
1. instant approval
2 pop up, telling to call a certain number (always verification)
3. denial.
Message 3 of 3
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