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Declined Discover IT

Established Contributor

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 #? Smiley Surprised

 

 



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 1 of 23
22 REPLIES
Valued Contributor

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 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 2 of 23
Mega Contributor

Re: Declined Discover IT

Recon!!! Good luck to you!!



EQ FICO 548 3/3/16
Message 3 of 23
Valued Contributor

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
Message 4 of 23
Frequent Contributor

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 #? Smiley Surprised

 

 


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 CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200

TU (Discover): 663 | EQ (Citi): 651
Message 5 of 23
Established Contributor

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
Message 6 of 23
Frequent Contributor

Re: Declined Discover IT

They pulled Equfax for me and also my wife.

Message 7 of 23
Super Contributor

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).
Message 8 of 23
Moderator Emerita

Re: Declined Discover IT

Message 9 of 23
Senior Contributor

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.

Message 10 of 23