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Valued Contributor
youngandcreditwrthy
Posts: 3,779
Registered: ‎08-16-2012

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 12:18 PM

CONGRATS!!! Avoid C1 if you can!!

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 11 of 24 (435 Views)
 
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Frequent Contributor
Jlu
Posts: 460
Registered: ‎06-12-2012

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 12:30 PM

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

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 12:49 PM

Congrats on the Discover approval

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Mega Contributor
LS2982
Posts: 14,458
Registered: ‎04-09-2011

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 02:29 PM

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 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
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Regular Contributor
Tran92
Posts: 213
Registered: ‎09-25-2012

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 02:45 PM

Congrats! and welcome to the forum!

TU 703 (1/13)
GOAL: 700+

As of Nov 2012







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Established Contributor
migliogiorni
Posts: 585
Registered: ‎06-27-2012

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 04:15 PM

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.

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
Message 16 of 24 (343 Views)
 
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 04:22 PM

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: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
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Valued Contributor
jsucool76
Posts: 2,649
Registered: ‎12-11-2011

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 04:35 PM

OP

Did you apply for cash rewards mastercard or visa. Visa is a prime card , MC version is their subprime version.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Message 18 of 24 (329 Views)
 
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Established Member
nissanaltimacrazyhorse
Posts: 54
Registered: ‎10-24-2011

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 05:27 PM

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

chase sapphire preferred 5k
amex hilton honors 5k
amex blue cash preferred 2.5k
local credit union 7k
cabelas visa 500 lol

trans union 705 goal 750
equifax 675 goal 750

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Regular Contributor
doc101
Posts: 114
Registered: ‎11-27-2011

Re: Cap1 declined- But Discover It Approved!

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‎09-29-2012 05:27 PM

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

Starting Score: 543
Current Score: 612
Goal Score: 650

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