Reply
Frequent Contributor
Posts: 361
Registered: ‎07-31-2007
0

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. 

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
Frequent Contributor
Posts: 377
Registered: ‎06-01-2011
0

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.
 
Frequent Contributor
Posts: 361
Registered: ‎07-31-2007
0

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.  

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
Regular Contributor
Posts: 180
Registered: ‎11-01-2009
0

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.


Starting Score: 0
Current Score: 0
Goal Score: 850


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 118
Registered: ‎04-17-2011
0

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
Frequent Contributor
Posts: 361
Registered: ‎07-31-2007
0

Re: Applied for Discover, no decision.

[ Edited ]

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. 

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
Frequent Contributor
Posts: 361
Registered: ‎07-31-2007
0

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..

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
Frequent Contributor
Posts: 399
Registered: ‎08-02-2011
0

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.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 361
Registered: ‎07-31-2007
0

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.
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
Valued Member
Posts: 46
Registered: ‎04-14-2011
0

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


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.