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Question about responses to Online Credit Card Applications?
Posted on April 14th, 2009 13 comments
Pinklight asked:
If you apply for a credit card online, and it does not give you an instant result…but rather says they will notify you with a decision in 5-7 days and gives you a reference number….that is basically a denial correct?
HARVEYCredit Apply Online, Credit Applications, Credit Card Applications, Denial, Online Applications, Online Credit Card Applications, Reference Number13 responses to “Question about responses to Online Credit Card Applications?”
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no.. i have gotten a lot of credit card approval responses in the mail without them giving me an instant approval..
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airjarrod April 16th, 2009 at 13:27
No it’s not. Can and does go either way.
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Justin April 20th, 2009 at 00:14
never apply for a credit card online
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The Great Gazoo April 23rd, 2009 at 05:46
no that means they need time to check your credit history usually you hear back in couple of days…best thing to do is go through your bank for a credit card though face to face
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Amanda April 25th, 2009 at 22:20
No, depending on the card, they don’t have the online ability to just accept you. Someone will actually have to go through your information for them instead.
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Charles & Elizabeth C April 27th, 2009 at 12:48
No, not at all. Your reply email with your information is probably in line to be reviewed and “looked at”. You will receive a reply possibly with a card or not in about a week. Good Luck.
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Back W April 28th, 2009 at 03:10
no its not a denial… they will be checking your credit
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painter.alex April 29th, 2009 at 21:05
It probably just means that they want to check your financial status before deciding.
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No, it has been passed to a team of humans to look at your request more closely as the computer was not allowed to make a decision on a close call.
Keep your fingers crossed.
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mcmatrix12000 May 1st, 2009 at 08:56
I believe that it takes time for them to process all of your information. It shouldn’t be a problem.
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Steve L May 4th, 2009 at 11:19
Not neccessarily.
There are instant approvals, instant denials, you may be in a gray area where a human has to take a look.
Or could be system problems.
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Jessica W May 5th, 2009 at 04:28
no not necessarily if you don’t get an immediate decision it could mean they need to look at more information or they may even call you to ask you a few questions.
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effervescentevanescence May 7th, 2009 at 21:56
No- They need to look into your credit profile as well. This includes income, residency, as well as evaluating your credit report.
Eee Gee April 16th, 2009 at 09:26