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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Any Reason Not to App for Discover?

Also just to make sure, make sure the person who answers is a CREDIT ANALYST


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
steve23111
Posts: 355
Registered: ‎08-09-2011
0

Re: Any Reason Not to App for Discover?

Called.  The app was hung up because apparently one of the four CC accounts that were IIB'd in 2002 belonged to a bank that was acquired by Chase somewhere along the line.  She asked a few questions about that account, said she was able to continue processing the application, and that I will be notified of a decision in 7-14 days.

 

It was worth a shot.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Any Reason Not to App for Discover?

i honeslty think your gonna get approved for the card. i think you can call them either tomorrow or first thing monday to find out the status of the app.  i think you technically have to be denied (which you aren't yet) first before you can do a recon, but you def need to call one of those days to to find out the status, just in case you are denied you can actually do a recon and have someone manuelly review you credit report and they can reverse the decison. if rejected i strongly suggest doing the recon, chase is usually really good with these. thats what i had to do to get me card:smileyhappy:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
steve23111
Posts: 355
Registered: ‎08-09-2011
0

Re: Any Reason Not to App for Discover?

Consulting my BK records, this is an old Providian account they are finding.

 

I did check the automated status line again after I posted my previous update and it still gives the "within two weeks" message, so no flat-out decline yet.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Any Reason Not to App for Discover?

1-800-436-7927 (App status - automated). you can call this number at anytime to keep cheking the status of your app



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Any Reason Not to App for Discover?

haha, i think we were posting at the same time. thats def. good to hear though



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Any Reason Not to App for Discover?


steve23111 wrote:

I'd imagine that's something that varies from one locality to another.  I have come across a number of places that don't have AMEX displayed as an accepted payment type (only Visa & Mastercard) but when handed my AMEX they take it without hesitation.  I do always keep my BB&T Visa with me as backup, but it's never really been a problem.


The reason for this is:

 

AMEX charges a larger transaction fee to mearchants over the other 3. So merchants would rather you pay for your items with the other cards but will not refuse AMEX if you pull it out so they do not miss a sale.

 

Quite scandalous but I understand...........:smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
steve23111
Posts: 355
Registered: ‎08-09-2011
0

Re: Any Reason Not to App for Discover?

Just for **bleep**s & giggles, I called it again.

 

APPROVED!

$6000 CL, 12.99% APR!

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Any Reason Not to App for Discover?


steve23111 wrote:

Just for **bleep**s & giggles, I called it again.

 

APPROVED!

$6000 CL, 12.99% APR!


CONGRATS!!!!

 

I got approved today for a 2K CL, good job!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
CreditParanoid
Posts: 23
Registered: ‎07-16-2011
0

Re: Any Reason Not to App for Discover?


steve23111 wrote:

Just for **bleep**s & giggles, I called it again.

 

APPROVED!

$6000 CL, 12.99% APR!


Congrats!


Starting Score: 786 TU08 (07/11)
Current Score: 789 TU08 (07/12)
Goal Score: 800


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