Discover It Denial- I Am Devastated!

[AverageJoesCredit]

Kidink, it is I, the 5 time apper 6 hp given guy Take it from this Average Joe, dont nobody bring you down faster than a rejection from Disco , but once you DO get in , makes all those past rejections a badge of honor lol. There were times when i just said Discover could jump off a cliff, but theres something about her that keeps a calling. Even when i though my profile was good enough, at least my Experian , they double pulled me and all i got was a lousey 2for tshirt in a beautiful black and blue hp color.

Point is it hurts now, bewilders even more, but when you least expect it, youll have your white whale. Just takes time, patience, whole lots of huh, say wha moments, but youll get there. Bella knows, the forum knows, aint no party like a Disco party and when the balls stop spining its gonna land on you

[Anonymous]

Sorry to hear OP. I know Discover is hard to get in with and sometimes there's no real logic. Let the accounts age and try again!

[AverageJoesCredit]

@jr_tx. Lol, Split, yup Discover having 20 different personalities good summation lol

[Anonymous]

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@kidink1911 wrote:

I went on an app spree in December 2016 and got 3 cards, then got 2 cards in January 2017, and then AMEX on March 1st. 

So it may be my AAOA and recent inquiries....just so bummed by it.

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6 new cards or a 400% increase in credit cards over the last 3 months on a thin file could be a good reason why.

To bring the scale back in your direction, Garden for 6-12 months, get score over 700, keep util under 30% and under 9% when you reapply in the future for best results.

[CreditInspired]

I agree with WaveRider about what the cause might be. When I applied for DISCO in December and was approved for $3.5K, I had added 3 new accounts 6 months earlier. For data points, my FICO scores and inquiries were EX 687/3 inqs, TU 703/1 inq, EQ 707/1 inq and utilization about 5% with only 1 CC reporting. Never late; however, a 6-yr old tax lien. AAoA 5.5 yrs. Oldest acct. 14.5 yrs. So, his suggestions regarding what to do going forward, IMHO, is on point. Good luck in your endeavor to join the DISCO Family.

[Anonymous]

Don't feel bad. My DW with a perfect credit history and almost a 800 CS was offerd only a secured BofA CC. she was denied for a discover yet I was approved for 4000...discover CC can be strange.
I think it's her thin file that gets her.

[EAJuggalo]

I was denied last year with a 702 EQ two new accounts and a perfectly clean file.  I was denied again after letting everything age for six months.  And I'm going to try again when my Utilization drops to below 30% next week.  Hopefully this time works.  If not I'll keep trying every six months.

[kidink1911]

Cashcorp1, 12velectronics, AverageJoesCredit, Wave Rider, Credit Inspired, Harley 14, and EA Juggalo- You Guys Rock!!

Knowing that everyone has had obstacles to overcome with obtaining Discover approvals makes me feel less outside of the norm. All of the advice and wisdom shared by all of you has made me truly smile and realize that I too will one day crack the Discover vault of approval!! 

[Anonymous]

I can make you feel better...... 

July 2016 I was DENIED for a SECURED Discover......BUT, 6 months later, I was approved for an unsecured. The only difference was I had 6 months more history and my utility was at 23% (much higher from the original app) at the time of app.  

[kidink1911]

I'm going to follow suit Justagirl73 and wait the magic 6 months and hopefully Discover approval city!!