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Cap1 declined- But Discover It Approved!

Senior Contributor

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

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.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Established Contributor

Re: Cap1 declined- But Discover It Approved!

Congrats on the Discover approval

Mega Contributor

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.

 




EQ FICO 548 3/3/16
Regular Contributor

Re: Cap1 declined- But Discover It Approved!

Congrats! and welcome to the forum!

TU 746 (10/13)
GOAL: 750+






Established Contributor

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

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

As of 2017, rebuilding...
Super Contributor

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

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

Re: Cap1 declined- But Discover It Approved!

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


Starting Score:Equifax 543
Current Score:EQ659 TU 716 EXP677 updated 7/3/2016
Goal Score: 700