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Declined Discover IT

Valued Contributor

Re: Declined Discover IT

That's crazy you were denied with a score above 750! I was approved a couple of weeks ago and they sent me a fico EQ score of 675. Inquiries at time of app, 6-7. AAOA of 5 years.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 11 of 23
Mega Contributor

Re: Declined Discover IT

Are you going to recon OP?



EQ FICO 548 3/3/16
Message 12 of 23
Super Contributor

Re: Declined Discover IT

I had to call up when i apped. I had to give them a copy of my drivers license to verify my address.

You should def call up. I had ~50% util at the time (691TU) your scores are way better than mine.
Message 13 of 23
Established Contributor

Re: Declined Discover IT

Pulled Eq for me too, in Ohio.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 14 of 23
New Contributor

Re: Declined Discover IT

When I applied and was denied-- they pull my EQ in NY

Working everyday... to be better and wiser.
Goal: 710-750


Message 15 of 23
Established Contributor

Re: Declined Discover IT

So??

 

did you recon??

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 16 of 23
Valued 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

 

 


Recon for sure! I got approved with14-15 INQs on TU. 4k CL, 15.99% apr after 12 months promo.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 17 of 23
Established Contributor

Re: Declined Discover IT

I'm certainly not good with recons as I tried.  She wouldn't budge -- something about 5 accounts opened in the last 6 months.  I really do have enough accounts and I probably should freeze my reports, so I won't be tempted again!!!!  LOL

 

B of A  and CITI opened in Oct,  USAA in Dec,  Walmart Discover in Jan and Macy's Amex in Feb.  Utility is like 8% and my AAoA is 3.6 years....................

 

I'm also an AU on a buddy's B of A Sig with a 25k limit and no balHeart

 

Thanks for your help and suggestions -- all of you!!!!



(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 18 of 23
Super Contributor

Re: Declined Discover IT


fedxboy wrote:

I'm certainly not good with recons as I tried.  She wouldn't budge -- something about 5 accounts opened in the last 6 months.  I really do have enough accounts and I probably should freeze my reports, so I won't be tempted again!!!!  LOL

 

B of A  and CITI opened in Oct,  USAA in Dec,  Walmart Discover in Jan and Macy's Amex in Feb.  Utility is like 8% and my AAoA is 3.6 years....................

 

I'm also an AU on a buddy's B of A Sig with a 25k limit and no balHeart

 

Thanks for your help and suggestions -- all of you!!!!


Time to garden indeed

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 19 of 23
Established Contributor

Re: Declined Discover IT

Well, not to rebirth this thread, but now DISCOVER IT sends me another pre-approval, just yesterday with even better terms than the first .....14 months 0% apr and a low rate of 9.99 afterwards

 

 

Shakes fists in air

 

And my bad, since Oct 2012 -- I've only opened 4 cards -- Citi in October, USAA in Dec, Walmart Discover in Jan and Macy's Amex in Feb.   The B OF A was opened in August.    I guess I could of gone  without the Walmart Discover and Macy's Amex



(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 20 of 23