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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Cap1 declined- But Discover It Approved!


CONGRATS!!! Avoid C1 if you can!!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 932
Registered: ‎06-12-2012
0

Re: Cap1 declined- But Discover It Approved!

Discover IT is supposedly their new lax-underwriting card. Like what Freedom is to Chase or Zync is to AMEX.

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Cap1 declined- But Discover It Approved!

Congrats on the Discover approval

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Cap1 declined- But Discover It Approved!


Jlu wrote:

Discover IT is supposedly their new lax-underwriting card. Like what Freedom is to Chase or Zync is to AMEX.


You still have to have a decent file to get in with Chase, AMEX etc. Some do slip through the cracks, but not alot.

 




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
Regular Contributor
Posts: 217
Registered: ‎09-25-2012
0

Re: Cap1 declined- But Discover It Approved!

Congrats! and welcome to the forum!

TU 746 (10/13)
GOAL: 750+






Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Cap1 declined- But Discover It Approved!

Very nice, alot of us would have dumped Capital One in a heart beat if it wasn't for it being our longest running card.  Clearly Discover is where the business is at.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Cap1 declined- But Discover It Approved!

I'd keep it simply b/c its VISA or Mastercard. I went to the movies today only to find out they don't accept Discover...ugh. Had to use my Cap1 Visa

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Super Contributor
Posts: 6,154
Registered: ‎12-11-2011
0

Re: Cap1 declined- But Discover It Approved!

OP

Did you apply for cash rewards mastercard or visa. Visa is a prime card , MC version is their subprime version.
Established Member
Posts: 58
Registered: ‎10-24-2011
0

Re: Cap1 declined- But Discover It Approved!

congrats it's probably best cap one blows discover will grow.

chase sapphire preferred 5k
capital one venture 5k
amex blue cash preferred 2.5k
chase freedom 500
amex premier reward npsl

trans union 705 goal 750
equifax 675 goal 750

Regular Contributor
Posts: 218
Registered: ‎11-27-2011
0

Re: Cap1 declined- But Discover It Approved!

Congrats, I would like to apply for this card as well


Starting Score:Equifax 543
Current Score:EQ637 TU 696 EXP658 updated 8/1/2015
Goal Score: 700


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