applying credit cards SAME DAY or SAME TIME?
Dec 30, 2013 | 11:53 pm
#1
Original Poster
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
applying credit cards SAME DAY or SAME TIME?
I applied 4 credit card today.
1 card Amex
1 card Bank of America
1 Discover it
1 card wellsfargo
I applied all 4 card in same day. I got approved instantly for Amex. After 10 minute, I applied 1 card Bank of America, but PENDING. After 20 minute from Bank of America application, I applied Discover it, but PENDING. After 30 minute from Discover it application, I applied 1 card Wellsfargo, but still PENDING.
I am really confuse why I have 3 card pending and 1 card approved instantly. I have FICO 760+, my last churning was August 7 2013. If I fill out all 4 applications, and click SUBMIT at the SAME TIME, will I get approve for 4 applications?
1 card Amex
1 card Bank of America
1 Discover it
1 card wellsfargo
I applied all 4 card in same day. I got approved instantly for Amex. After 10 minute, I applied 1 card Bank of America, but PENDING. After 20 minute from Bank of America application, I applied Discover it, but PENDING. After 30 minute from Discover it application, I applied 1 card Wellsfargo, but still PENDING.
I am really confuse why I have 3 card pending and 1 card approved instantly. I have FICO 760+, my last churning was August 7 2013. If I fill out all 4 applications, and click SUBMIT at the SAME TIME, will I get approve for 4 applications?
Dec 31, 2013 | 7:42 am
#2
Join Date: Dec 2010
Posts: 353
Maybe yes, maybe no. Most people on this forum when doing a churn apply for them back to back to back as soon as possible so that maybe it won't show up as an inquiry to the next one. Meaning Apply for #1, then right after that apply for #2, then #3, etc. My last churn I did 5 and I did them all in about 5 minutes. 4 instant approvals, 1 I had to call (and it was #3 that I had to call about).
Dec 31, 2013 | 9:45 am
#3
Join Date: Jan 2010
Posts: 1,708
Nothing looks unusual to me. That's how they roll. You didn't get denials. A lot of us with stats like yours not only don't get instant approvals, we get initially denied and have to call recon to get approved. Your expectation of all instant approvals is the misconception. In the same situation I would have been surprised if I received all instant approvals. You still might get approved for all of them. Good luck.
Dec 31, 2013 | 1:09 pm
#4
Original Poster
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
Finally,
1 card Amex (approved instant)
1 card Bank of America (approved after called)
1 Discover it (approved after called)
1 card wellsfargo (approved after called)
I also applied TD bank yesterday but DECLINED because I live in California...so sad!!!
1 card Amex (approved instant)
1 card Bank of America (approved after called)
1 Discover it (approved after called)
1 card wellsfargo (approved after called)
I also applied TD bank yesterday but DECLINED because I live in California...so sad!!!