Reply
Frequent Contributor
fedxboy
Posts: 258
Registered: ‎01-16-2012
0

Declined Discover IT

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 #? :smileysurprised:

 

 

(9/2/2014) Walmart FICO 751, 8/20/14 Discover IT FICO 766
Valued Contributor
asphaltcowboy
Posts: 1,124
Registered: ‎02-03-2013
0

Re: Declined Discover IT

Discover Recon  1-888-676-3695, sorry  about the decline



Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Declined Discover IT

Recon!!! Good luck to you!!



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
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Declined Discover IT

Recon!!!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012
0

Re: Declined Discover IT


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 #? :smileysurprised:

 

 


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.  

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Declined Discover IT

G.L. on recon.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Frequent Contributor
Juss11
Posts: 301
Registered: ‎10-16-2011
0

Re: Declined Discover IT

They pulled Equfax for me and also my wife.

Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Declined Discover IT

best of luck with your recon!

 

my girlfriend just applied for the IT as well. got a 5-7 day pending msg :/

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
09Lexie
Posts: 25,394
Registered: ‎09-13-2012
0

Re: Declined Discover IT

Valued Contributor
FocusedAndDetermined
Posts: 6,298
Registered: ‎01-05-2013
0

Re: Declined Discover IT

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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+