I have had same thing happened to me, walked into the branch to hand in signed documents and the rep advised that he could just do all that on his computer and I wouldn't have to wait for response. I agreed to it.
Then he confirmed my name, income, employer info and my address and and a minute later he said "oh the application is in review and didn't turn out to be an instant decision". And I sat there looking at his face like did he just applied for a new CLOC application for me?
I asked him and he said "oh yeah, but don't worry, that was the fastest way and there will be no HP since they had my report from 2 weeks ago when I applied for their CC and CLOC"
Well, I leave branch and not even 5 minutes later I got an alert for NFCU HP.
Anyways, next day called NFCU spoke to a few people confirmed a few things and they put in the request to remove HP sine I was already approved for max amount 2 weeks e earlier.
The way that lady explained was that I am already approved and just have to sign the disclosure and that would be it, and she advised me to do it online. I did it yesterday so now waiting to see what happens next.
|| Amex BCE $18,000 || QuickSilver WMC $8,500 || Freedom Visa Signature $10,000 || Discover IT $11,800 || BestBuy $2,800 || Venture Visa Signature $17,750 || NASA FCU Platinum Cash Rewards $7,000 || Amazon Store Card $20,000 || Overstock $11,500 || Lowe's $25,000 || NFCU Platinum $9,600 || Chase Marriott $10,000 || Chase FU $15,7000 || NFCU CLOC $15,000 ||