No Annual Fee Credit Cards » application process

Does canceling a credit card application before it is approved or denied going to affect my credit?

Author — Mon, 08 Nov 2010 21:17:42 +0000

I know that canceling an open card can adversely affect credit. But I canceled the actual application process, minutes after I applied.

I had hoped to get instant approval to get a big discount on an airline ticket, but as a student and my little income they would have had to do a full background credit check (which would have gotten me the card), but I didn't have time to wait to buy the ticket, so I wanted to cancel.

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I got a free credit card application with the card attached and a charge of $249.00.I tore it up, why do i owe

Author — Mon, 02 Aug 2010 09:41:54 +0000

I seen an ad on tv for a free credit card application.When I got the application the card was attached.I read the form and seen a charge of 9.00 for the attached card. I called the card company and told them I tore the application up and didn't wish to apply.They in turn put a bad mark on my credit history.Was I slammed by this credit card company?Can I sue them for this?

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If i know my future job salary, can I put that on my new credit card application?

Author — Fri, 30 Jul 2010 09:38:23 +0000

I am applying for a new credit card and i am recent college graduate. I know what my salary is going to be for my job starting in a month. Can i put that on my credit card application instead of what i am making at a part time job right now?? please help.

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Kohl's Charge Card Instant Application Process?

Author — Wed, 30 Jun 2010 13:54:26 +0000

I applied online for a Kohl's Charge card and expected to receive an instant approval. Instead, I got a generic message indicating that I should call a 1-800 number. I called the number and my application was approved and I received a temporary account number.

Now, I tried to probe as to why I had to do this, and of course I got generic 'for your security' answers. I also asked directly whether everyone had to do this. I was told 'yes'.

When I called I had to repeat everything in my application 'to verify my information' over the phone. After she approved it, she asked for my email address and I said I already gave it on the online form. 'I don't have it, it was in the application process'. 'What's the point to the online application then?' 'It's for your security'...

So, my guess: my application got flagged (false positive) for some reason. Perhaps I answered one of the credit check questions wrong. And the rep flat-out lied to me about this process being normal. Any thoughts? Anyone gotten an instant approval without having to call?