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Has anyone applied recently for a Discover card lately? If so, which card?
Scores?
Util%? (are they sensitive to high util?)
Baddies?
AAOA?
INQ?
Any idea what CB they pull in California?
Util%? (are they sensitive to high util?)
I was recently declined because I accidentally let $2,800 in balances report. On $15,000 worth of credit lines.
The lady on the phone essentially called me a dead beat and said that I was way too high of a risk with those "exceptionally high debts on my cards."
I was shocked, since when did $2,800 become an "exceptional" debt.
@jthedges wrote:
Util%? (are they sensitive to high util?)
I was recently declined because I accidentally let $2,800 in balances report. On $15,000 worth of credit lines.
The lady on the phone essentially called me a dead beat and said that I was way too high of a risk with those "exceptionally high debts on my cards."
I was shocked, since when did $2,800 become an "exceptional" debt.
Discover has become worse then Amex when it comes to revolving balances. They have CLD our business account 3 times now and think 1 on my moms personal
@Creditaddict wrote:
@jthedges wrote:
Util%? (are they sensitive to high util?)
I was recently declined because I accidentally let $2,800 in balances report. On $15,000 worth of credit lines.
The lady on the phone essentially called me a dead beat and said that I was way too high of a risk with those "exceptionally high debts on my cards."
I was shocked, since when did $2,800 become an "exceptional" debt.
Discover has become worse then Amex when it comes to revolving balances. They have CLD our business account 3 times now and think 1 on my moms personal
I am pretty much done trying to get a Discover card again. I had one 3 years ago, and it was nice and all, but not an "exceptional" card. So far I love my new Amex, so I might be sticking with them.
Applied this AM online and was instantly approved for $7K. CSR said something weird like, "you've been approved for $7K CL. Will that meet your credit needs?"
I said sure.
App'd Discover More. I have mid 700 scores, no baddies, etc, probably 3 or 4 new inquires.
nice! Were you chatting with her the textbox chat or through the phone?
I applied last week and after answering security questions I was approved for $2500. Pretty cool considering I was denied for Citi Forward a month or so ago.
Scores?
dont't know I imagine between 680 to 720 judging from some of the FAKOs.
Util%? (are they sensitive to high util?)
<10%; not sure if they are sensitive
Baddies?
1 paid collections account
AAOA?
38 months; oldest account 7 years old
INQ?
3 on EX
Any idea what CB they pull in California?
no
@Anonymous wrote:nice! Were you chatting with her the textbox chat or through the phone?
I had to call to verify my identity.
I got a Discover More a month ago.Approved for a CL of $3500
Credit: low 760ish
AAoA: 3 years 1 month
No bad accounts, never late