I applied for an RBC card and was "conditionally approved" - I called in to have it processed and they said based on credit bureau information they have to decline my application. They said that online apps "are a different department" and they don't know why it would have said conditionally approved as opposed to pending.... I asked if there is any reconsideration option and they said no.

As if things couldn't get any worse, they pulled my credit twice under 2 different names (because if it were the same name the bureau would have merged them)



I have filed a dispute claim with transunion but they are very slow and difficult to deal with. Has anyone had experience with this?