The Duck Card

[xXIDaShizIXx]

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@12njoy wrote:

@@xXIDaShizIXx,

Based on my conversation, it would appear that you haven't been denied because the credit department told me it didn't give her a decision.  Now she could have not wanted to deal with an angry customer (not that I am) and just gave me the line to get me off the phone, but I think there is no decision and it requires a manual review in my case.  This is most likely due to 15 month old CO.  In your case, maybe they don't need to verify information because you have no negatives.

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So do you think I should just call them back at the end of the week if I haven't received anything?

[12njoy]

Based on my denial from last year, they will know usually in 2-3 days of a decision.  I would say they would know either way by Wed.

[xXIDaShizIXx]

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@12njoy wrote:

Based on my denial from last year, they will know usually in 2-3 days of a decision.  I would say they would know either way by Wed.

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So if they don't ask for verification I should be golden? I don't have any negatives on experian or equifax.

[12njoy]

I don't know what the verification process means.  I know that on the master Duck thread, a number of people were asked to verify two accounts and address.  This definitely, in my opinion, is not a decider on a decision.  I got the verification and was still denied, so I wouldn't hang my hat on the fact that they didn't ask you for verification.

[xXIDaShizIXx]

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@12njoy wrote:

I don't know what the verification process means.  I know that on the master Duck thread, a number of people were asked to verify two accounts and address.  This definitely, in my opinion, is not a decider on a decision.  I got the verification and was still denied, so I wouldn't hang my hat on the fact that they didn't ask you for verification.

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Well crap now this is going to eat at me at least until Wednesday.

[12njoy]

I know.  As having been where you are now, there are no words I can say to make the wait any easier.  If I didn't have the credit I have now, I would definitely be there with you.  Whatever happens is going to happen and we'll both have to just wait it out. 

[xXIDaShizIXx]

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@12njoy wrote:

I know.  As having been where you are now, there are no words I can say to make the wait any easier.  If I didn't have the credit I have now, I would definitely be there with you.  Whatever happens is going to happen and we'll both have to just wait it out. 

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So in case that this doesn't work out should I add money to my capital one card? It has a $500.00 limit on it right now, but I just don't want to keep throwing money at secured cards you know?

[12njoy]

Have you thought about joining a local credit union?  I don't know that I would sink more money into Crap One myself considering that they are fairly new.  A credit union may allow you to obtain a secured and/or unsecured card.  Even if it's only a secured card, they will most likely be more apt to refund your security faster than Crap One.  That's just my opinion, but I'm no expert now.

[xXIDaShizIXx]

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@12njoy wrote:

Have you thought about joining a local credit union?  I don't know that I would sink more money into Crap One myself considering that they are fairly new.  A credit union may allow you to obtain a secured and/or unsecured card.  Even if it's only a secured card, they will most likely be more apt to refund your security faster than Crap One.  That's just my opinion, but I'm no expert now.

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Yeah, I have tried and they offered me $500 line of secured credit, and if I was going to go with that I would just go with my bank which I have been with for 3 years you know?

[12njoy]

Either way, I woud do one of those options before investigating more with Crap One.  How is your banking relationship with your bank?  If it's good I would go with them.  The thing to remember is that it is going to take time.  I know that is not something that you want to hear (I still have a ways to go and hate hearing it myself), but that is the one sure way that your credit profile will get better.  I started in March 2012 and just really starting getting the credit in my siggy in July 2013.  Now I did the whole PIF the entire time and have continued with that practice.  Are you familiar with Bluebird?  This would be a great option to use to show PIF.