The assertion signifies that an software for an Amazon bank card has not been routinely permitted and requires further scrutiny by the issuing monetary establishment. This course of signifies that the preliminary evaluation of the applicant’s creditworthiness and supplied info necessitates a extra in-depth analysis earlier than a closing resolution may be made concerning approval or denial of the bank card.
This extra analysis is essential to mitigate threat for each the cardboard issuer and the potential cardholder. It permits the monetary establishment to completely study elements equivalent to credit score historical past, revenue verification, and any discrepancies discovered within the software. Traditionally, guide assessment processes have been an ordinary apply in bank card underwriting to make sure accountable lending and forestall fraudulent exercise. The advantages of this course of embrace minimizing potential losses for the issuer, whereas additionally safeguarding shoppers from doubtlessly unsustainable debt burdens.