Saks.... "further processing"

[Creditaddict]

I applied yesterday thinking they would pull EQ again and didn't really care about burning one more EQ but they actually pulled TU!

I also thought I had been instantly declined but upon calling the Saks number in backdoor thread just now she says that "The application is in further processing and you will receive a letter with what is needed or a card in 7-10 days"

I was kind of taken back and I said I thought it was declined.

she said "no, it is needing further processing".

I said "okay can I speak to credit department about processing it now?"

her - I am actually in the credit department

me - and you can't see what is needed to process the application?

her - if the system sends it to further processing than it actually goes to capital one and we can't see it and they will send out letter to you of what is needed

me - does that mean it's declined already?

her - no, it means it needs further processing

me - okay, thank you

ARE YOU KIDDING ME... WHY ME... WHO IS SHE?! Why do I have to get people that say such things to me? our world is coming to an end... I'm barely 3 sips into my morning coffee, someone please tell me what, if anything I should do or call right now or really just wait? I know a bunch of you had luck with this same line I believe in getting instant cli's and such, have you heard of further processing?

[Creditaddict]

Called regular customer service and she stated app was declined and no one could review computer declines!

I called Cap1 EO and she is sending it for a manual review!

[eagle2013]

Sorry creditaddict. I'm also interested in the Saks card, but I can't tell from the rewards program if it will be worth it. With Nordies they have triple point days and lower yearly spending levels ($2k for level 2) which is different from saks at $5k. I also have a capital one CO on record so maybe that will also hinder my chances. I'll try to apply in the store today or tomorrow. Good luck with the EO! I think you'll get it!

[TheConductor]

Unless you spend a lot at Saks, the Amex Blue Cash Preferred will be a better Saks card than the Saks card, since Saks is one of their "select department stores" for 3% cashback rewards.

If you're ultimately denied, take it as a blessing and do your Saks shopping on a BCP instead.  

[Creditaddict]

I still have not heard back from EO but did receive the original denial letter today and they are giving a non fico TU score clearly:

566

My TU Fico that I received from Barclay is 665

THATS HUGE!

I hate when banks use crazy scores

[Anonymous]

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@Creditaddict wrote:

I still have not heard back from EO but did receive the original denial letter today and they are giving a non fico TU score clearly:

566

My TU Fico that I received from Barclay is 665

THATS HUGE!

I hate when banks use crazy scores

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why dont u try neiman that is easier! my wife applied got id letter called approved her for $500 then canceled the card because she had too many inquires.. how many inq?

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:

I still have not heard back from EO but did receive the original denial letter today and they are giving a non fico TU score clearly:

566

My TU Fico that I received from Barclay is 665

THATS HUGE!

I hate when banks use crazy scores

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why dont u try neiman that is easier! my wife applied got id letter called approved her for $500 then canceled the card because she had too many inquires.. how many inq?

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I ACUTALLY need neither... I'm AU on a Saks account that neither of us ever use... but I kind of wanted to start building my own card to maybe get the MC.

I'm AU on a Neimans Card too and NEVER shop their.

had my own card when I was an employee but it was closed out when I stopped working for them.

[Anonymous]

true i only let me wife shop in the outlets lol

[newstart13]

I just applied and was declined! I called the number for saks credit service and she said the app showed pending further review! I'm assuming not approved!? Can you tell me what were your results and the number for Capitol one EO you called? Thank you

[Creditaddict]

the eo office seemed just as bad as the regular csr... its a different division of cards.

it stayed denied