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60 seconds and rant

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Skye12329
Valued Contributor

60 seconds and rant

So i think we can all agree that when applying for any CC that 60 second decision is like the longest 60 seconds in your life. It is for me anyways, like even though i might have a good chance for approval, i always get nervous and more nervous for the limit. Ugh its so nerveracking Smiley Surprised

 

Ok rant part, i dont know/remember what happened to all the duck and beaver cards and im not trying to be mean but does anyone think the same thing could happen with the NASA cards too? Like the same as the duck and beaver? Because didnt those two bite off more than they could chew? Someone correct me because i dont quite remember. 

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 1 of 7
6 REPLIES 6
jsucool76
Super Contributor

Re: 60 seconds and rant

When I apped for my PRG, the wheel kept spinning and spinning and spinning for that decision. I thought I was gonna die, felt like it took hours. Lol.


And as far as the duck/Beaver comparison, nasa seems like a more well established CU
Message 2 of 7
Firehorse
Frequent Contributor

Re: 60 seconds and rant

I have to walk away or change browser tabs and do something for a couple minutes cuz I'm afraid to see the results. LOL. Smiley Happy

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 3 of 7
Skye12329
Valued Contributor

Re: 60 seconds and rant

I know what you mean by the wheel spinning, im always afraid of it freezing and having an error happening and needing to take another HP due to error. Same with the browser part, i usually just keep scrolling up and down...ugh the nerve of those CC lenders making us wait so long Smiley Tongue
BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 4 of 7
AvadaKedavra
Established Contributor

Re: 60 seconds and rant

During my rebuilding stage those 60 seconds were the WORST...mainly because I was so used to getting denied. I'd immediately get hot and have to get up! Now, it's kind of addiciting and a fun rush as I can do it with confidence. I suppose those 60s still do kind of feel like forever Smiley Tongue

Message 5 of 7
jamesdwi
Valued Contributor

Re: 60 seconds and rant


@Skye12329 wrote:

So i think we can all agree that when applying for any CC that 60 second decision is like the longest 60 seconds in your life. It is for me anyways, like even though i might have a good chance for approval, i always get nervous and more nervous for the limit. Ugh its so nerveracking Smiley Surprised

 

Ok rant part, i dont know/remember what happened to all the duck and beaver cards and im not trying to be mean but does anyone think the same thing could happen with the NASA cards too? Like the same as the duck and beaver? Because didnt those two bite off more than they could chew? Someone correct me because i dont quite remember. 


I don't mind the minute, its the ones that pop up the 7-10 day message that bug the heck out of me, amex is the one that is guity one, usually in 5-15 minutes I recive the approval notice. 

 

 

As for the Duck card I still have it, 5k CL, BT'd about 2500 to it, have been paying it down $100 a month, but there web page keeps locking me out because I fat fingered my password too many times, and they require that you call in to get it unlocked, so now I just pay with phone interface, and when the card is paid off, it will go in the sock drawer, untill they close it.

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 6 of 7
Burned2manybridgesB4
Valued Contributor

Re: 60 seconds and rant

The sixty always leads to a we'll let you know message for me.... Ridiculous having me waste that extra minute on top of a business calendar week timeframe! Lol... Barclay, and chitty were my only instants.

 

My beaver still has a functioning place, 2% gas and grocery when other cards are not ideal in regards to quarter awards. Even managed to get the online AU button, that I didn't notice until after my year date. Don't really know if it was there previously, but it wasn't there in account opening.

Message 7 of 7
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