Are Credit Card Rejections Always Final?
Author: jamric
Posted: Wed Jul 05, 2006 6:32 pm
Post subject: Are rejections always final?
I once applied for a Neiman Marcus card, and was rejected but when I complained, they reconsidered an issued me a card. Is it possible/likely that a credit card company, a department store in particular, will reverse their decision if it is challenged . . . perhaps ask for a lower credit line?
Has this happened to anyone else?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Wed Jul 05, 2006 9:00 pm
Post subject: Re: Are rejections always final?
Quote:
"jamric"
I once applied for a Neiman Marcus card, and was rejected but when I complained, they reconsidered an issued me a card. Is it possible/likely that a credit card company, a department store in particular, will reverse their decision if it is challenged . . . perhaps ask for a lower credit line?
Has this happened to anyone else?
Some complain and get the card...I JUST MOVE ON
Author: jamric
Posted: Wed Jul 05, 2006 9:20 pm
Post subject: Are Credit Card Rejections Always Final?
Thanks mouse.
Does anyone know if when you challenge a decline, if a credit check is done a second time, and the report is pulled a second time.
Author: mouse
Posted: Thu Jul 06, 2006 12:19 am
Post subject: Are Credit Card Rejections Always Final?
Quote:
"jamric"
Thanks mouse.
Does anyone know if when you challenge a decline, if a credit check is done a second time, and the report is pulled a second time.
Thank you.
HARD #2
MAYBE...MAYBE NOT
No LAW says they must pull another HARD
Author: hdporter
Posted: Thu Jul 06, 2006 1:44 am
Post subject: Are Credit Card Rejections Always Final?
It's been my experience that if a request for reconsideration has received any scrutiny at all (and not just another "Sorry" letter), a hard pull was done.
btw, these days I expect unless you have significant credit info to offer up that isn't reflected in your credit report, no one will give you serious reconsideration.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Wed Jul 05, 2006 6:32 pm
Post subject: Are rejections always final?
I once applied for a Neiman Marcus card, and was rejected but when I complained, they reconsidered an issued me a card. Is it possible/likely that a credit card company, a department store in particular, will reverse their decision if it is challenged . . . perhaps ask for a lower credit line?
Has this happened to anyone else?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Wed Jul 05, 2006 9:00 pm
Post subject: Re: Are rejections always final?
Quote:
"jamric"
I once applied for a Neiman Marcus card, and was rejected but when I complained, they reconsidered an issued me a card. Is it possible/likely that a credit card company, a department store in particular, will reverse their decision if it is challenged . . . perhaps ask for a lower credit line?
Has this happened to anyone else?
Some complain and get the card...I JUST MOVE ON
Author: jamric
Posted: Wed Jul 05, 2006 9:20 pm
Post subject: Are Credit Card Rejections Always Final?
Thanks mouse.
Does anyone know if when you challenge a decline, if a credit check is done a second time, and the report is pulled a second time.
Author: mouse
Posted: Thu Jul 06, 2006 12:19 am
Post subject: Are Credit Card Rejections Always Final?
Quote:
"jamric"
Thanks mouse.
Does anyone know if when you challenge a decline, if a credit check is done a second time, and the report is pulled a second time.
Thank you.
HARD #2
MAYBE...MAYBE NOT
No LAW says they must pull another HARD
Author: hdporter
Posted: Thu Jul 06, 2006 1:44 am
Post subject: Are Credit Card Rejections Always Final?
It's been my experience that if a request for reconsideration has received any scrutiny at all (and not just another "Sorry" letter), a hard pull was done.
btw, these days I expect unless you have significant credit info to offer up that isn't reflected in your credit report, no one will give you serious reconsideration.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:10 PM
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