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Established Member
Posts: 60
Registered: ‎04-22-2011
0

Discover Card More Invitation

I just wanted to let everyone know that I received a Discover More invitation in the mail today.  Now, I do know that it isn't a "pre-approval."  There is a difference between the two.

 

Instead of applying on line, I thought maybe I would have better luck via telephone.  I called and spoke with a very nice lady.  (BTW, I am already an AU on another Discover card.)  She transferred me once, and then I got transferred again.

 

With the last CSR, he stated that Discover has just come out with a new program.  They will approve me with a $5000 CL if I get someone to "co-sign."  It won't show up on the co-signer's CR unless I default.  It's just there to help me get the card.  This is something I'm willing to consider. My significant other already has a Discover Cashback card.  (That's the card where I'm an AU.)  I'm sure he would co-sign for me, and this would significantly help my credit.  Any opinions on this?

 

BTW, they pull TU. My TU score is 611.  I have 4 CO, paid; but I also have a lease through Toyota Motors (never late), an Orchard Bank card (again never late), and another POS card through First Savings Bank., (never late.) 

 

Maybe I could call the recon line to avoid the co-signer?  If anyone thinks this may be a good idea please give your opinion. Also, if anyone has the recon number, I would greatly appreciate it!

 

:smileyhappy:


Starting Score (May 2011): 611 - TU
Current Score: 611 - TU
Goal Score for 2012: 700 Club!


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Frequent Contributor
Posts: 421
Registered: ‎07-21-2010
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Re: Discover Card More Invitation

Give it a try.

 

Discover: 888-676-3695 (Recon)

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My favorite card right now: Barclays Priceline Visa Signature
Established Member
Posts: 60
Registered: ‎04-22-2011
0

Re: Discover Card More Invitation

Thanks for the number!  I just called and I did talk to someone. They won't recon my app - or anyone's (so he said). 

 

However, with the co-signer, it's only a positive for both.  So, that's probably what I'll do. :smileyhappy:

 

 


Starting Score (May 2011): 611 - TU
Current Score: 611 - TU
Goal Score for 2012: 700 Club!


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Frequent Contributor
Posts: 421
Registered: ‎07-21-2010
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Re: Discover Card More Invitation

[ Edited ]

That is absolutely not true.  I got my Discover card on recon in December.  I was declined because I had a Discover card years ago, so it instantly declined me.  I had to call and ask for reconsideration, approved on the spot.

 

Call back and see if you get someone new.

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My favorite card right now: Barclays Priceline Visa Signature
Established Member
Posts: 60
Registered: ‎04-22-2011
0

Re: Discover Card More Invitation

Hmmm, good idea. It makes me nervous to talk to someone! :smileyhappy: haha!

 

Oh, and the worst part? The guy didn't even LOOK at my credit report. He didn't ask for a SS# or anything! Weird?


Starting Score (May 2011): 611 - TU
Current Score: 611 - TU
Goal Score for 2012: 700 Club!


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Frequent Contributor
Posts: 421
Registered: ‎07-21-2010
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Re: Discover Card More Invitation

Haha, don't be nervous.  They are just people.

 

I would just give them a call again.

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My favorite card right now: Barclays Priceline Visa Signature
Established Member
Posts: 60
Registered: ‎04-22-2011
0

Re: Discover Card More Invitation

Called again; talked to another CSR ....

 

All I have to say is "poop".  Because of this new "system" where they are asking for co-applicants, there's no way to overturn their system - atleast that's what she said.

 

I don't know if that's true or not....... O'well. I could still get the card. :smileyhappy:  I'll update soon!

 

thanks again!

 

 


Starting Score (May 2011): 611 - TU
Current Score: 611 - TU
Goal Score for 2012: 700 Club!


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