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Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

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
Posts: 1,954
Registered: ‎03-30-2012
0

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 5/13/2014: TU FICO: 639 | EQ FICO: 645| EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: Approved for Freedom-Denied Discover

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

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Approved for Freedom-Denied Discover

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

Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

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
Posts: 2,112
Registered: ‎09-25-2011
0

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
Posts: 193
Registered: ‎07-17-2012
0

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
Posts: 2,112
Registered: ‎09-25-2011
0

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
Posts: 288
Registered: ‎02-06-2012
0

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

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