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Discover IT APPROVED after denied 31 days ago!

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Anonymous
Not applicable

Discover IT APPROVED after denied 31 days ago!

Hi everyone! I was just approved for a Discover IT card with a $2,000 SL and a $75 statement credit (applied through Amazon) after being denied 31 days ago. I posted here a month ago that I was denied and the original denial reasons was: NUMBER OF RECENTLY OPENED ACCOUNT

 

I had been approved for a Paypal 2% and an Amazon store card less then a month before my original Discover denial so while I was totally bummed out I completely understood why I was denied. About 1 week after my Discover denial they sent me a preapproval mailer and I checked on their new prequalify site and it had switched from secured to preapprovals for Discover IT and Discover Chrome. I did not get a hard inquiry from the original app so I decided to try applying again as soon as I could.

 

I waited 31 days...instead of using the preapproval offers I took a gamble and applied through Amazon so I could get the $75 statement credit. I was sweating bullets before I pressed the submit button but didn't even get a chance to be nervous during the wait time because right after I press submit it almost instantly went to the congrats you have been approved! It said my card would arrive in 5-7 days and gave me a link to check my limit which connected me to livechat who gave me the $2000 SL.

 

Datapoints:

Denied on 10/12 and approved on 11/12

No hard inquires at all (the original app said it used info from Equifax and my FICO at the time was 675, there was a soft inquiry from the prequalify site but no hard). I have no idea what my FICO for Equifax is right now but I imagine it might be a little lower then 675 since my util % went up slightly.

Util %18

Inquires: Transunion: 3 Equifax: 2 Experian: 1

AAoA: 3 Months (Longest History: 8 Months)

3 (now 4!) Cards: $750 Capital One Quicksilver, $800 Amazon Store Card, $2,000 Paypal %2, $2,000 Discover IT

 

Message 1 of 8
7 REPLIES 7
simplynoir
Community Leader
Mega Contributor

Re: Discover IT APPROVED after denied 31 days ago!

Good to see that persistence pays off congrats!

Message 2 of 8
ls2016
Frequent Contributor

Re: Discover IT APPROVED after denied 31 days ago!

Congrats to you! Similar thing happened to me.
Current FICO 8s: Ex 768, Tu 741, Eq 741
Current FICO 9s: Ex 775, Tu ?? Eq 781
Total TLs: $120,000
8 (30-60 day) mortgage lates and 2 (30 day) auto lates remain from Jan., Feb. 2016
Current Mortgage Ex. Fico 2 787
Message 3 of 8
peghede
Valued Contributor

Re: Discover IT APPROVED after denied 31 days ago!

Congrats m8, i'm 20 days away for my 91 days cli train, can't wait ..course will hard press for sp double dip no worry.

Message 4 of 8
AverageJoesCredit
Legendary Contributor

Re: Discover IT APPROVED after denied 31 days ago!

Nice pickupSmiley Happy. Enjoy!
Message 5 of 8
Anonymous
Not applicable

Re: Discover IT APPROVED after denied 31 days ago!

Congratulations, good job. Dv

Message 6 of 8
Adkins
Legendary Contributor

Re: Discover IT APPROVED after denied 31 days ago!

Nice work! Congratulations!

 


@Anonymous wrote:

Hi everyone! I was just approved for a Discover IT card with a $2,000 SL and a $75 statement credit (applied through Amazon) after being denied 31 days ago. I posted here a month ago that I was denied and the original denial reasons was: NUMBER OF RECENTLY OPENED ACCOUNT

 

I had been approved for a Paypal 2% and an Amazon store card less then a month before my original Discover denial so while I was totally bummed out I completely understood why I was denied. About 1 week after my Discover denial they sent me a preapproval mailer and I checked on their new prequalify site and it had switched from secured to preapprovals for Discover IT and Discover Chrome. I did not get a hard inquiry from the original app so I decided to try applying again as soon as I could.

 

I waited 31 days...instead of using the preapproval offers I took a gamble and applied through Amazon so I could get the $75 statement credit. I was sweating bullets before I pressed the submit button but didn't even get a chance to be nervous during the wait time because right after I press submit it almost instantly went to the congrats you have been approved! It said my card would arrive in 5-7 days and gave me a link to check my limit which connected me to livechat who gave me the $2000 SL.

 

Datapoints:

Denied on 10/12 and approved on 11/12

No hard inquires at all (the original app said it used info from Equifax and my FICO at the time was 675, there was a soft inquiry from the prequalify site but no hard). I have no idea what my FICO for Equifax is right now but I imagine it might be a little lower then 675 since my util % went up slightly.

Util %18

Inquires: Transunion: 3 Equifax: 2 Experian: 1

AAoA: 3 Months (Longest History: 8 Months)

3 (now 4!) Cards: $750 Capital One Quicksilver, $800 Amazon Store Card, $2,000 Paypal %2, $2,000 Discover IT

 


 


Last HP 08-07-2023



Message 7 of 8
Anonymous
Not applicable

Re: Discover IT APPROVED after denied 31 days ago!

Thanks for the congrats everyone! Smiley Happy This forum has helped me SO much and I'm excited to finally be in with Discover.

Message 8 of 8
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