No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@joltdude wrote:Lets add insult to injury, discover did a double hard pull on me.. Both EQ and TU pulled....
Cmon guys...
double pulls happen i think when i apped for discover IT before they double pulled me. Even when I apped for CSP less than an month ago i got double pulled. My scores are decent , didn't expect the double pull from chase :-(
@joltdude wrote:Well I took the bait and the hard pull from Discover... got denied... tried recon but CSR wouldnt redirect me to anyone with influence.
Now what...
Should I go on an app spree... and just realize discover is being stubborn?
or how long should I wait before I try again.. I sort of initially thought id wait for 6month mark before applying but I really wanted a second card that reported to *everyone*
the whole approved with co-applicant thing didnt sit well with me...
No baddies, had a CU card for 4 months, and they kept showering with offers...
your score seem decent....is ur CU card the only card u have?
@joltdude wrote:Nope. Not going to pay for them untill im in the ballpark.. Thought that TU one i bought was one but its not...
Discover pulls EQ.....i'm in so cal.
@joltdude wrote:Iv gone from having a thin file to 3 months of 9% util, PIF on statement cut date
Tend to make 2-3 payments a month just to keep the util down...
No BK, no adverse actions, no judgements/liens
Have a total of 7 inquiries, only 4 this year...2 being the CU for checking/cc accounts, one being a hard pull i was lied to about.... and the other being discover.
-J
Try Barclay reward card for an average credit or apple visa....i think u have a good shot of approval.
good luck
@mongstradamus wrote:
@joltdude wrote:Lets add insult to injury, discover did a double hard pull on me.. Both EQ and TU pulled....
Cmon guys...
double pulls happen i think when i apped for discover IT before they double pulled me. Even when I apped for CSP less than an month ago i got double pulled. My scores are decent , didn't expect the double pull from chase :-(
I think that lenders tend to at least double pull, if ur report is somewhat borderline. imo
Still indecisive on what to do.. aaoa with one card and a 1k ploc is 6mo. not getting any pre-approval offers coming back except discovers website... Tempted to hold and garden until Dec, but having a rewards card and additional reporting would be good
@joltdude wrote:Still indecisive on what to do.. aaoa with one card and a 1k ploc is 6mo. not getting any pre-approval offers coming back except discovers website... Tempted to hold and garden until Dec, but having a rewards card and additional reporting would be good
Discover's website isn't a legitimaite prequal .... put in Mickey Mouse, and you'll see he's prequalified as well
Stop using fako and get real scores. So you can tell where you really stand and not waste hard pulls.