"Approve But Not Approved????"

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Written by: kasglan on 2008-03-19

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kasglan's review: I applied for this card today... But when I came to the final page where it told me congrats(Limit was only 200) It said pending verification has any one else experienced this whit this credit card?

9 Comments

Comment 1 by meya
Yup on 2008-03-20

Seems like the same thing they said to me. I can remember this one very well. I don't know what they were pending but the card came right away.
Comment 2 by kasglan
Thanks on 2008-03-20

Thanks for ur input meya. I just found it quite odd and when I called to ask a question the customer rep was so rude
Comment 3 by casey
My 2 Cents... on 2008-03-20

I have this card a little over 2 years... Started at $500, currently at $1150, slow CLI, but they are consistent, usually $100 or $150 at a time, 6 months is their usual guidelines. High APR, paying online NOW costs $7.95, starting to get pricey, plus the $5.75 monthly fee($69 AF billed monthly), I'm starting to make this my last choice card... Good luck
Comment 4 by meya
Re:Casey on 2008-03-20

Casey if I were you I would mail them their monthly payment. I did that two times by mistake because I was not aware of the charge online, I have been mailing them their little monthly annual fee every month now. It is very irritating because it is easy to forget, so what I did was wrote 12 checks dated them all through the year, put them by my computer, and mail them every month.
Comment 5 by kasglan
APPROVED on 2008-03-21

I did check back today and I was approved for a Credit Card. WIth the advice that Casey Has Given Me about the Monthly fees, I really do not mind though I really just need this card to help me build credit so I will probably jus purchase a soda here and there...
Comment 6 by casey
Re: Kasglan/Meya on 2008-03-21

Kasglan, I am glad you were approved! It isn't an awful card, just don't carry a balance. 23.9% APR adds up quick...

Meya, thank you for the tip, I'm just not much for writing checks anymore... Like I said, I just don't use it that much anymore. Sometimes, I moneygram 3 months worth of the fees and carry a credit balance, that only costs $6.50 at WalMart, which is now less than the $7.95 for their online payment fee, and that covers me for a while... Can't pay more than 3 months though, they'll return it to you. Twice I was even able to get them to waive the fee for 3 months, it all depends who you get on the other end of the phone... Sometimes they are nice, other times not...
Comment 7 by em072205
I Got The Same Response on 2008-05-18

And then I got a letter in the mail. I also called customer service and what was funny... I asked her what additional information they needed ahead of time so that I could send it and she goes... I don't know because they are still processing it... Huh? Funny, the next day I received a letter in the mail asking for additional information. They want a copy of my W-2 or paycheck, or utility bill... K, I just started my work two months ago so no W-2, paycheck I receive my pay via Paypal... So not sure how that works... And Utility bill, they are all in hubby's name... So how am I suppose to do that?
Comment 8 by hjm331
Try This on 2008-05-19

Call them and ask if you can send in one of your bank statements. If they say yes, get the rep's name that you spoke with for future reference.
Comment 9 by em072205
Hmm on 2008-05-19

I wonder if they will do that, you think they are just trying to verify my address? I can send them a student load and bank account information. I'll give them a call tomorrow.
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