That's hilarious and seems like bad public relations to me. They didn't do a HP to come up with any of that did they?
A couple weeks ago, I did the online soft-pull pre-qual from Discover for a $30,000 personal loan. Instant approval, but I didn’t pull the trigger as I was only exploring options. I then got emails from Discover over the next two weeks, reminding me of my interest and telling me I should take advantage of their offer. I never did.
Today, I get a letter in the mail stating my offer had expired. On the back side, it said the standard shtick about how they take my credit reports into account in making decisions, and gave their reasons for denying me. They said:
EQ FICO score 782
Key Factor 1 TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED (yep, thin file, only 1 active card showing at the time)
Key Factor 2 LACK OF RECENT LOAN INFORMATION (ditto)
Key Factor 3 TOO MANY ACCOUNTS WITH BALANCES (umm, one, my only CC, a Discover)
Key Factor 4 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT (11 months)
It’s kind of like getting angrily rejected by someone you politely turned down for a date, LOL. Well, to be honest, I did ghost them....😂🤣😅😁
Or fired after you already quit 😂🤣😂🤣
They probably send that letter with whatever negatives they can think of to anybody whose offer is rescinded. Because the law says they have to give reasons whenever they refuse someone. So they have to give some kind of reason and maybe "offer expired" is not on the government's approved list.