Another data point. Applied NFL generic VISA on 9/27 and approved after call in. Applied Cowboys MC today. On the app submission page it says:
Thank you for applying. We'll need more time to review the information you provided for your Extra Points Mastercard® application.
There is no need to reapply and it may take up to 10 days to process your application. We will send you an email upon review of your application.
You can also visit our website to check the status at: www.myapplicationstatus.com/barclays
When I check the status on the above specified link, it says:
CHECK APPLICATION STATUS
Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. Details on why we could not make you a credit offer will be mailed to you
TU FICO 752
EDIT: Anyone know what the reconsideration # is? The old one (866) 369-1283 doesn't seem to work.
My application status says the same thing but I'm not sure if it's just because the application is being reviewed. As mentioned, I have a 740 credit score/don't carry any balances/never miss payments/etc.
OK, what I think I'm seeing is that people are being instantly approved for MCs but not for Visas, correct? My team is offered in Visa, but while I like my team, I like instant approval more...
I didn't get instant approval for mastercard and I have no credit card debt, owned a home for 4 years now and have a car payment and never missed any payments. So not sure what the hold up is.. I've never gotten a instant approval but always get approved after a few weeks with credit cards.
It's not a deal unless you found it on slickdeals!
I decided to call in hopes of getting approved easier for the 49ers Visa Signature card. Sadly, they still have to have the application reviewed before approval. They confirmed without me asking the 40,000 bonus points offer. They also said the Visa Signature feature is only offered to those with exceptional credit. The rest will receive a normal Visa card. My guess is this is probably why no one is instantly approved for the Visa cards. It's probably very difficult to receive the Signature card and requires further review just in case. This kind of bugs me though as I was really wanting the Visa Signature portion as well.
My Credit Karma score is 759 so lets hope that helps!
EDIT: Well when I went to the application status it looks like I was denied? Weird that they didn't tell me on the phone. "Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. Details on why we could not make you a credit offer will be mailed to you."
Last edited by RandallDeals; 11-04-2012 at 10:00 AM..
How many credit cards is too many in the eyes of credit card companies? I'm only at 2 which is pretty low but curious nonetheless.
Typically card issuers allow 3-4 cards for each customer. Number of total accounts only matters when it is low, meaning you don't have a good credit profile. However, if getting too many new cards within a short period of time, your average life of all cards gets diluted and becomes very low. This will hurt your score somewhat and only time can fix it. Again, average life of accounts is one of factors used to determin the final score but not weighted heavily as the others.
NEVER close the oldest accounts to maintain good average life of accounts.
Last edited by joelchan1966; 11-04-2012 at 10:00 AM..
That is what I've been trying to say, but no one is listening....
(B) Bonus Points - Forty thousand (40,000) Bonus Points will be awarded after at least $1000.00 in Net Purchases (that are not later returned or rescinded) in the first 90 days after account opening.
1. look for "Please read the Terms and Conditions for important information about rates, fees and other costs before applying." towards top of app.
2. Search for "40,000"
Yes also ran into the problem with the Jets/Giants cards. Already have a Bills Visa but decided to take a shot and went for the Giants MC. Got the "need time to review" response. I thought I'd get shot down but $400 is worth 10pts or so on my credit report.
Now just read this:
"We're in the process of reviewing the information you provided for your Dallas Cowboys Extra Points MasterCard application"
Last edited by sniperruff; 11-04-2012 at 10:07 AM..
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