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Applied for Discover, no decision.

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kc12286
Frequent Contributor

Applied for Discover, no decision.

Just applied for Discover. I didn't get an instant decision, it says 5-7 days, but it says in the meantime please register your account for online access. Anyone ever had this happen? What, if anything, does it mean? 

 

I figured I might as well apply, I've had as many "preapproved" applications from Discover as I have from Citi. I know many on here and many people I know personally have spoken well of them. They grant nice CLIs, the accounts grow, etc. I'm trying to rid myself of low CL accounts. TD account is being paid off this Friday and is being sock-drawered indefinitelty. Other than the Lowe's card, I have no "major CC" inquiries. But the car loan inqs are still sitting there. Not sure how many inqs is too many for Discover. 


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
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Message 1 of 15
14 REPLIES 14
Meltdownblitz
Frequent Contributor

Re: Applied for Discover, no decision.

If I were you I'd call discover, chances are if you didn't get denied they will approve you. Give them a call. And I'm sure your inq is fine or discover. I had around 3 when they approved me. Good luck. Post the decision here when you find it out.


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Message 2 of 15
kc12286
Frequent Contributor

Re: Applied for Discover, no decision.


@Meltdownblitz wrote:
If I were you I'd call discover, chances are if you didn't get denied they will approve you. Give them a call. And I'm sure your inq is fine or discover. I had around 3 when they approved me. Good luck. Post the decision here when you find it out.

It's Sunday, aren't those departments usually closed on the weekends? I'll probably have to wait until tomorrow.  


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 3 of 15
Believe1970
Regular Contributor

Re: Applied for Discover, no decision.

I got the same message. I called in and they had me verify some info and i was approved.

Mortgage:

Auto Loan:

Credit Cards:
Message 4 of 15
brian2220
Regular Contributor

Re: Applied for Discover, no decision.

i got almost the same situation but was denied because i didnt meet the income standards when i caled and talked to someone

My Cards
BBVA/Compass 2/12 $ 5000 ----- Chase Freedom 12/10 $3000 ---- Cabela's 1/12 $3000 -----US Bank FlexPerks Cash Rewards 6/11 $3000 ----Walmart Discover 10/11 $2814 ------ Discover More 11/11 $2500 ----- Amazon Store Card 2/11 $2100---- Amex Zync 4/11 ---- Citi Dividend Platinum Select 3/11 $1950 ---- BofA Cash Rewards 12/11 $1000
Message 5 of 15
kc12286
Frequent Contributor

Re: Applied for Discover, no decision.

If you scroll over the income question it says, excluding college students, you have to make 10k. Not sure how long that info has been there or when you applied.

 

I pulled my TU which says I've been looking for new credit. It's factoring in the car loan apps that hit in May and the Lowe's app. My zero balance from Chase Amazon didn't get picked up yet by TU and GEMB/Lowe's posted my balance but I returned the vacuum so that is now void, unfortunately that change won't post until Sept. 

 

EDIT: I just called and it's still pending and the rep had no information on why it asked me to set up an online account. She transferred me to another dept but it was closed. 


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 6 of 15
kc12286
Frequent Contributor

Re: Applied for Discover, no decision. UPDATE

Discover called, I called back and spoke with a very nice rep. She asked some questions and asked how I would use the card. Asked me to explain some balances on my other cards. I got approved 1k, which is enough to buy the laptop I need for school..


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 7 of 15
LTomBerry
Frequent Contributor

Re: Applied for Discover, no decision. UPDATE

Congrats on the card. They just like you to talk to a human being first before they approve you. Did they try to pressure you into signing up for their credit insurance?

They are kinda stingy with CLIs but at least you got your foot in the door.


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Current Score: EQ 780 EX 814 TU 783
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Message 8 of 15
kc12286
Frequent Contributor

Re: Applied for Discover, no decision. UPDATE

From what I've read on here, if you treat them right (i.e. no lates, etc) they can grow nicely. No pressure to sign up for their credit product, but I lost the call so there might have been more.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 9 of 15
Caliche
Valued Member

Re: Applied for Discover, no decision. UPDATE

I applied online and was denied two days ago then got a pending type of email. Got a call about 10 minutes ago to review some items and was approved for $1500

Starting Score: 621
Current Score: EQ700 TU 724
Goal Score: 700


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Message 10 of 15
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