Credit card application - manual review? 1 December 2022 at 8:04PM in Credit cards 6 replies 323 views

bambilegs

Hello, 

So I’ve applied for a credit card 2 days ago. Said I was eligible on the site so went through and applied.
Got a “some checks couldn’t be done automatically so we’ll have to review your application manually”..

It’s been 2 days.

I know that’s not very long, however, I’m just wondering if others have been in similar situations before they were accepted?

From my experience in the past, surely this can’t be a decline as declines are usually instant?

Those of you who have had similar experiences , what was the outcome?

cymruchris

It's common enough - yes it'll be an accept or decline. You've obviously crossed the threshold that it's not an instant decline, but haven't made it to the threshold of automatic acceptance based on the data that they analyse when you make an application. It'll likely need a human to come along and look at the application and decide on a number of factors which way your application will go. And it can take time, some banks longer than others. 

martinbainbridge1975

had similar with barclaycard, it was to determine credit limit, it did say they may need to do extra checks during the process

as chris states above, it is not a straight decline plus each company will likely have different application procedures

Ebe_Scrooge

Yep, it's a not uncommon scenario.  For a large majority of credit applications it's all automated, and it's simply a case of "computer says no" or "computer says yes".  Occasionally, it's "computer says maybe, please can a real person take a look".  I would guess that, realistically, you would expect an answer one way or t'other within about a week.

born_again

It one of them "How long is a bit of string" checks. Depends on how many & what the issue is.

Could be electoral roll not matching up, or something on credit check not matching up.

martinbainbridge1975

Ebe_Scrooge said:

Yep, it's a not uncommon scenario.  For a large majority of credit applications it's all automated, and it's simply a case of "computer says no" or "computer says yes".  Occasionally, it's "computer says maybe, please can a real person take a look".  I would guess that, realistically, you would expect an answer one way or t'other within about a week.

yup, definitely agree there is reliance on automated data, I think at times too much of a reliance given credit files can have a lag on data being updated 

diystarter7

martinbainbridge1975 said:

had similar with barclaycard, it was to determine credit limit, it did say they may need to do extra checks during the process

as chris states above, it is not a straight decline plus each company will likely have different application procedures

With BC we stopped using years ago as using other CC's but decided to apply again a joint card as per our joint current accoutn

We have never paid a penny i interest over the 35 yrs on a cc.

We got the cc but limit was low 3k - we dont work left at 55 - we have a premier account. The never told be they declined our request to double to about 6k - i tried again and nothing - i rang bacralys they said they dont alert you a refusal but will email - then out of the blue we got a letter that 6k approved but doing checks wait util xmas or we could seek speed up by texting back we have not as we have other cards