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I was happily in the garden, knowing full well that I shouldn't be applying for a bit -- maybe even a year. Lo and behold, Discover IT sends me a pre-approved application for 0% for a year with 15.99 APR. I've always wanted a Discover and I was declined in 2011 and 2012, but now they sent me a preapproval, so maybe things are different! (yeah right, who am I kidding)
I held on to the application for a few days, knowing they pull Transunion and considering my inquires 13, I didn't think I would get it, besides, I just got the USAA World MC-5k limit in Dec, Walmart Discover-3k in Jan, and Macy's Amex-4k in Feb. I fell for it and applied -- DECLINED -- they cited: The number of recently opened credit card accounts with balances and a FICO of 756. Wow, the same FICO that I got from Walmart this month.
Looking at my report, I have 4 INQ from 2011, with Discover being 1 of them. In 2012 another 6 INQ with Discover being 1 of them and 2 for Student Loan shopping. Another 4 INQ from 2013 with Discover being 1 of them and 2 of the INQ's were for CLI's on US BANK and B OF A. WOW, so 14 INQ's total now with 3 from Discover.
Off to the garden I go <grumbles> is there a recon #?
Discover Recon 1-888-676-3695, sorry about the decline
Recon!!!
@fedxboy wrote:I was happily in the garden, knowing full well that I shouldn't be applying for a bit -- maybe even a year. Lo and behold, Discover IT sends me a pre-approved application for 0% for a year with 15.99 APR. I've always wanted a Discover and I was declined in 2011 and 2012, but now they sent me a preapproval, so maybe things are different! (yeah right, who am I kidding)
I held on to the application for a few days, knowing they pull Transunion and considering my inquires 13, I didn't think I would get it, besides, I just got the USAA World MC-5k limit in Dec, Walmart Discover-3k in Jan, and Macy's Amex-4k in Feb. I fell for it and applied -- DECLINED -- they cited: The number of recently opened credit card accounts with balances and a FICO of 756. Wow, the same FICO that I got from Walmart this month.
Looking at my report, I have 4 INQ from 2011, with Discover being 1 of them. In 2012 another 6 INQ with Discover being 1 of them and 2 for Student Loan shopping. Another 4 INQ from 2013 with Discover being 1 of them and 2 of the INQ's were for CLI's on US BANK and B OF A. WOW, so 14 INQ's total now with 3 from Discover.
Off to the garden I go <grumbles> is there a recon #?
Same exact thing happened to me. I had a preapproval (few months old, but right after I got denied the first time), my fico was 687, and though they told me discover hard pulls at random, they ended up hp TU, which I felt was going to happen. I knew I would get denied because I have like 14 inqs on TU. If they were to pull EX or EQ, I'm positive I'd be waiting for the card in the mail right now. So last night, I applied again for the iT Student, just my luck they pulled TU again, and the reasons were the same.
G.L. on recon.
They pulled Equfax for me and also my wife.
best of luck with your recon!
my girlfriend just applied for the IT as well. got a 5-7 day pending msg :/
Sorry about the decline. I had one myself today. Since you've already taked the HP, you might as well follow the advice given, and recon. It's certainly worth a try.