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05-03-2011 12:39 PM
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!
05-03-2011 12:44 PM
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.
05-03-2011 12:46 PM - edited 05-03-2011 12:46 PM
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.
05-03-2011 12:49 PM
Hmmm, good idea. It makes me nervous to talk to someone! 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?
05-03-2011 12:51 PM
Haha, don't be nervous. They are just people.
I would just give them a call again.
05-03-2011 12:57 PM
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. I'll update soon!