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Registered: ‎07-18-2012
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Cap1 declined- But Discover It Approved!

I've had a cap1 secure card-$300 for almost 2yrs- no other major credit card ( I do have a target card). Never been late -Never missed a payment. I applied for a rewards card last week and Cap1 denied me for not having enough credit. I just applied for a Discover It card this morning - they called me back by 3pm and approved me for $5000. Capital 1 not sure how you rate your customers - but you just lost a good one!

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Posts: 1,098
Registered: ‎02-03-2009
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Re: Cap1 declined- But Discover It Approved!

Congrats on your approval! Nice limit!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 808; TU MyFico: 799; EX (My Fico): 775
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
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Re: Cap1 declined- But Discover It Approved!

 

CONGRRATS!!!!

 

You Rock Baby

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
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Re: Cap1 declined- But Discover It Approved!


happymommy011 wrote:

I've had a cap1 secure card-$300 for almost 2yrs- no other major credit card ( I do have a target card). Never been late -Never missed a payment. I applied for a rewards card last week and Cap1 denied me for not having enough credit. I just applied for a Discover It card this morning - they called me back by 3pm and approved me for $5000. Capital 1 not sure how you rate your customers - but you just lost a good one!


Welcome to the forums!!!

 

CONGRATS!!! Very nice CL!!

 




EQ FICO 548 3/3/16
Contributor
Posts: 153
Registered: ‎08-24-2012
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Re: Cap1 declined- But Discover It Approved!

Thats awesome! 

Discover is way better than cap1 anyway

My ultimate credit wish,
a JP Morgan Palladium card
Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
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Re: Cap1 declined- But Discover It Approved!


firesoul453 wrote:

Thats awesome! 

Discover is way better than cap1 anyway


Not sure im feeling the Discover luv lately Smiley Mad

 

But their card is better than my current Cap1.

 




EQ FICO 548 3/3/16
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: Cap1 declined- But Discover It Approved!


happymommy011 wrote:

I've had a cap1 secure card-$300 for almost 2yrs- no other major credit card ( I do have a target card). Never been late -Never missed a payment. I applied for a rewards card last week and Cap1 denied me for not having enough credit. I just applied for a Discover It card this morning - they called me back by 3pm and approved me for $5000. Capital 1 not sure how you rate your customers - but you just lost a good one!


Did you use Cap1 prequalify and pick from the list?    

Regular Contributor
Posts: 440
Registered: ‎02-08-2012
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Re: Cap1 declined- But Discover It Approved!


LS2982 wrote:

firesoul453 wrote:

Thats awesome! 

Discover is way better than cap1 anyway


Not sure im feeling the Discover luv lately Smiley Mad

 

But their card is better than my current Cap1.

 


Discover does seem to be tightening up a little bit lately with CLI's and approvals.. At least from what i see on the boards

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Contributor
Posts: 153
Registered: ‎08-24-2012
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Re: Cap1 declined- But Discover It Approved!


Tommy5746 wrote:

LS2982 wrote:

firesoul453 wrote:

Thats awesome! 

Discover is way better than cap1 anyway


Not sure im feeling the Discover luv lately Smiley Mad

 

But their card is better than my current Cap1.

 


Discover does seem to be tightening up a little bit lately with CLI's and approvals.. At least from what i see on the boards


Even so, I doubt its as bad as capitla one.

Throw in way more benefits, %5 cash back, shopdiscover, and random bonus days (like oct 6th 2% cash back) and its a win!

My ultimate credit wish,
a JP Morgan Palladium card
Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: Cap1 declined- But Discover It Approved!


firesoul453 wrote:

Tommy5746 wrote:

LS2982 wrote:

firesoul453 wrote:

Thats awesome! 

Discover is way better than cap1 anyway


Not sure im feeling the Discover luv lately Smiley Mad

 

But their card is better than my current Cap1.

 


Discover does seem to be tightening up a little bit lately with CLI's and approvals.. At least from what i see on the boards


Even so, I doubt its as bad as capitla one.

Throw in way more benefits, %5 cash back, shopdiscover, and random bonus days (like oct 6th 2% cash back) and its a win!


Lately Cap1 (since the Exec. number has been exposed) has changed their mind on CLI's. So they're sort of climbing out of that sub-prime pit they've been in for years.

 




EQ FICO 548 3/3/16

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