MemberSince99 wrote:Did they happen to tell you what triggered your Financial Review? Something clearly triggered it. It doesn't sound like you did anything that should have. I have heard some are just "randoms" and maybe that's what yours was? Or is there more to it? I'm just curious really.
They are an odd duck in a lot of ways.
All they ever said was they wanted it for "income verification." I was also explicitly told there was no chance they would close the card so long as I turned in the "let us glimpse your taxes" form. I had just written a longer response that the forum ate, but after thinking about your question my theory is one of two things happened. Of course, I'm a credit newbie, so I'm just guessing.
1) Some sort of glitch that got me instant approved without an income verification (the instant approval surprised me), and wasn't picked up on until I had spent $288 dollars in the first couple days after activation (cell phone bill + other monthly charges + nice dinner out). Someone or something punched the big red STOP button on my account forthwith. Or...
2) Something made them uncomfortable about giving me an NPSL account (which I think is technically "better" than a fixed limit account, though I honestly prefer having a fixed credit limit to measure myself against) and they froze the account until they could get the income verification to decide what my limit should be. $3000 is more than sufficient for my plans for this card (primary card so as to get spending bonuses) and more than I was expecting under the circumstances.
I'm going to use the card as normal when it wakes fully up again and if all goes well will start using it for everything I can't get a better cashback deal on through ShopDiscover.
I'm more annoyed that I'm going to have trouble hitting my 50,000 point sign up bonus minimum spending amount now than anything else. That was what made me decide to go ahead and sign up when I did instead of waiting, and I already lost almost a month. Now that I know they've also somehow backdated my account to 2005 (when I was merely an "authorized user" on another person's account), I'm anticipating I might have to do a little work to get them to honor the sign up bonus, but maybe I'll get lucky.