@longtimelurker wrote:
Thanks. Not happy! I called and they said that there is no set time limit and you can apply anytime (well, of course you can APPLY!) but she was clear that there is no set limit for approval. So I applied, got a pull, and rejected for "TIME YOUR MOST RECENT DISCOVER CARD ACCOUNT HAS BEEN OPEN" And looks like I did get a wasted EQ pull (845). I called back, and a new agent agreed that there is no set rule but the algorithm can reject based on lack of history.
I'm thinking that you get the reject with no pull (with some message about an application in processing) if you're still in the new accounts system and get the pull (but possibly still a rejection with the message you received) if you've been removed from that system, but have a recent account in the main system. If they prune applications over 30 days old twice a month, that would explain the "30 to 45 days" that I was told.
The first time I called (to check my limit and APR), the CSR had to put me on hold twice while she found out how to manually force the data in the new accounts system to transfer to the main account system where she could see my limit (but still couldn't tell me the APR, which turns out to be 17.99%). It got *really* messy when I was considering switching to the regular It. The woman from New Accounts could resurrect my rejected app if the first card was closed, but she couldn't close a card or explain the double cash back offer. The guy she transferred me to in the Discover It group could explain the offer and close an It Miles account, but he couldn't approve the second app. And of course, he could offer to PC to the It, but not until some future, unspecified time. Seems like Discover's customer service systems are a mess.
Ah, well. Got my It Miles today, and I'm going to rack up some cashback on anything that Sallie Mae won't give me 5% on.
Chase Sapphire Preferred ($24.005k), Fidelity VS ($17K), United MileagePlus Explorer ($17K), Chase Freedom ($15K), Chase Freedom Unlimited ($15K), AmEx Blue Cash ($12.5K), IHG One Rewards Premier ($6.1K), US Bank Cash+ ($5K)
