Reply
Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012

Approved for Freedom-Denied Discover

[ Edited ]

The Good The Bad and The Ugly

 

The Good - Instantly Approved for Chase Freedom with $7,000 credit line.

The Bad - Denied Discover More (Dreaded 30 day notice)

The Ugly - Chase did not even permit me to Apply for their Chase Saphire Preferred

 

I celebrated hitting 800 today by going on a mini App Spree.

I am Amex Heavy (3 cards) so I have been waiting for the right opportunity to apply for some different cards.

 

I had opened a Chase checking account three months ago and today tried to Apply for a CSP

but the Chase Website stated their Saphire Preferred was NOT AVAILABLE to me so I tried to apply for their Freedom Card and I was instantly approved with a CL of $7,000.

 

I simultaneously applied for the Discover More card as they have been sending me Pre- Approvals every week for months. I received the dreaded 30 day notification.

So Chase accepted me with a $7,000 credit limit for their Freedom card and Discover turned me down. 

 

 

I was unable to apply for the Chase Saphire even though I have an account with them and have 800 scores.

 Discover turns me down even though I have 800 scores and have an Amex True Savings with a Credit Line of $10,000.

 

No Negatives

Short Credit History 10 months but Long Amex Back Date 29 years

 

Go figure.

 

UPDATE To FOLLOW

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: Approved for Freedom-Denied Discover

You should call Discover...maybe they just need to Verify ID? I doubt they'd decline with those scores!

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Frequent Contributor
wallyworld123
Posts: 452
Registered: ‎01-04-2012

Re: Approved for Freedom-Denied Discover

+1 yes u are assuming u were denied. Congrats on the approval from chase!

Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: Approved for Freedom-Denied Discover

Congrats on the Chase approval! I would call Discover and check on the status. A message saying they need more time is not a denial!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Blogger
HiLine
Posts: 2,723
Registered: ‎10-19-2012

Re: Approved for Freedom-Denied Discover

I bet Discover accepted you. They may be suspicious of your FICO score though lol. Congratulations!!!!

Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012

Re: Approved for Freedom-Denied Discover

[ Edited ]

Humbling.

I was a bit surprised, I guess I thought I would be instantly approved by Discover as they have been sending me so many pr-approval letters in the mail.

To tell you the truth I really did not want a Discover card. I really wanted the CSP.

The Discover application was filed simultaneously in case I did not get approved for the CSP or Freedom.

 

My overall plan was to have an Amex Charge card, an Amex Revolver, a Chase Saphire Preferred and two other credit cards.

I would then cut my CapitalOne secured card loose and get my secured deposit back

and then off I will go to the Garden locking the Gate behing me. 

Thanks for Playing.

 

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Approved for Freedom-Denied Discover

call the recon line for Chase Sapphire, they don't like opening two accounts on the same day but you can talk them into it, if you have a checking with them use that as your leverage people have reported they didn't know you had one unless you tell them. I was able to recon no problem. Got both on same day with much less score than you =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012

Re: Approved for Freedom-Denied Discover

Thanks I will give them a call.

Seems strange that I could not even get to the application page on the CSP but had no problem ith the Freedom.

I would like to have the Chase Trifecta.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Approved for Freedom-Denied Discover


Mustangfrank wrote:

Thanks I will give them a call.

Seems strange that I could not even get to the application page on the CSP but had no problem ith the Freedom.

I would like to have the Chase Trifecta.

 

 


i actually quoted the Trifecta lol, they said what why do i want the Freedom (i went csp first) then I said since I have checking with Chase I wanted 10/10 with Freedom and able to transfer to the CSP lol I also noted I had 50k+ in their checking :smileywink: 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012

Re: Approved for Freedom-Denied Discover


Mustangfrank wrote:

Humbling.

I was a bit surprised, I guess I thought I would be instantly approved by Discover as they have been sending me so many pr-approval letters in the mail.

To tell you the truth I really did not want a Discover card. I really wanted the CSP.

The Discover application was filed simultaneously in case I did not get approved for the CSP or Freedom.

 

 

 


If you're interested call them. Discover is one of those companies that mean it when they send out those pre-approves. Not to mention, your scores are out of this world. Im sure a representative will go above and beyond to get you in with their great CS


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+