 TITLE: I Applied for a Credit Card: Now What? CONTENT: Your Application May Need Further Review\n----------------------------------------\nAccording to the rules in the Credit CARD Act, lenders have to assess your ability to pay any debt you can accrue with the card in order to grant the account. That means assessing what you wrote down as your income.\nIn general, credit card issuers do not verify what you listed as income by calling your employer, but it will compare the stated amount against factors such as your job title and location. If the number seems off, more time will be needed to determine whether you really qualify for the card.\nAnother delay trigger is when identity theft is suspected. For example, if the Social Security number you put down on the application isn't the same as the number on your credit report, it could be an indication of fraud. The issuer will then take extra time to review the application. END