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Discover Application

Frequent Contributor

Discover Application

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?

myFICO - EQ: 776 EX: 763 TU: 791
Message 1 of 13
12 REPLIES
Frequent Contributor

Re: Discover Application

 



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.

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 2 of 13
Epic Contributor

Re: Discover Application


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

Message 3 of 13
Frequent Contributor

Re: Discover Application

 


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.  

 

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 4 of 13
Regular Contributor

Re: Discover Application

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. 

Message 5 of 13
Established Contributor

Re: Discover Application

nice! Were you chatting with her the textbox chat or through the phone?

 

 

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 6 of 13
Contributor

Re: Discover Application

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


Message 7 of 13
Established Contributor

Re: Discover Application

 


USC08 wrote:

Any idea what CB they pull in California?


I'm in Cali, they pulled TU for me.

 

Message 8 of 13
Regular Contributor

Re: Discover Application

 


gbishere wrote:

nice! Were you chatting with her the textbox chat or through the phone?

 

 


 

I had to call to verify my identity.
Message 9 of 13
Established Contributor

Re: Discover Application

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

Message 10 of 13