I wanted to report on a nice recon I got with Discover.
I received an invite in the mail to apply for a Discover. I am an AU on my husband's Discover, but I thought it was a good idea to each have our own. Might lead to nice double-dipping on the extra 5% rewards.
I did the online app and was immediately declined. The reason was "use of too much revolving credit." Well..we owed less than 1% on our credit cards, so I waited until I got my free TU report from the decline, but I figured I knew what happened. The computer picked up our HELOC as revolving. It's a large HELOC and isn't counted in our utilization, but Discover's computer sure counted it as revolving.
I called Discover's regular CS number and they put me through to a CSR who couldn't have been nicer. I told her I thought they picked up our HELOC as revolving, and I asked her to look at how little we owed on credit cards. She asked me a couple of questions about my report, put me on hold, and came back with the news that they approved me with a credit line of $13,140.
I want to thank everyone here in the forums. I followed the advice often given here to always ask for reconsideration if you are declined for a credit card. I was embarrassed at first that I was declined, but I stepped up to the plate and called. I also followed another very important piece of advice I read in these forums from a former CSR. That writer advised to be NICE, NICE, NICE...and I was. It was a good call, and I still haven't quit teasing my husband that my credit limit is larger than his.
I applied for a Discover earlier this year but was declined for too many inq(3) and short credit history(4) and to close unused accounts.(i laughed at that one).
