Discover It Student (How to Recon)

[WarJar101]

They denied I guess over a week ago, I tried calling in for a recon about 4 times now to no avail. I called today to ask for a "manual review", the CSR put me on hold for a minute or two to go speak with her manager. She came back and reiterated what her manager said, which was along the lines of "There's no way to overturn the computer's decision. You could try reapplying after establishing a longer credit history". I've seen approvals for the student card with my length of credit history, it's actually the second denied me, I tried before in Jan.

Reason for denial: Length of credit history (or something along those lines can't remember), and number of INQs in the last 6 months. {They pulled TU}

I haven't got my denial letter yet. My current longest credit history is at 7 months, AAoA of probably 3 months. # of INQs on TU = 8.

Any advice to get some positive results? Or should I just let it go?

[FinStar]

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@WarJar101 wrote:

They denied I guess over a week ago, I tried calling in for a recon about 4 times now to no avail. I called today to ask for a "manual review", the CSR put me on hold for a minute or two to go speak with her manager. She came back and reiterated what her manager said, which was along the lines of "There's no way to overturn the computer's decision. You could try reapplying after establishing a longer credit history". I've seen approvals for the student card with my length of credit history, it's actually the second denied me, I tried before in Jan.

Reason for denial: Length of credit history (or something along those lines can't remember), and number of INQs in the last 6 months. {They pulled TU}

I haven't got my denial letter yet. My current longest credit history is at 7 months, AAoA of probably 3 months. # of INQs on TU = 8.

Any advice to get some positive results? Or should I just let it go?

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Given that your 4 reconsideration attempts have not proved fruitful, it's best to know when to accept it for what it is and let it be.   Just because others may have posted somewhat similar anecdotal information, those specific individuals' credit profiles are likely not the same as yours.  Just keep in mind, it does not prevent you from applying in the future.

Discover is a tough one to crack sometimes as they are somewhat conservative.  Inquires and lack of an established history can result in denials.

[enharu]

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@WarJar101 wrote:

Reason for denial: Length of credit history (or something along those lines can't remember), and number of INQs in the last 6 months. {They pulled TU}

I haven't got my denial letter yet. My current longest credit history is at 7 months, AAoA of probably 3 months. # of INQs on TU = 8.

Any advice to get some positive results? Or should I just let it go?

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8 inquiries is VERY HIGH for someone who only has 7 months of credit history. This means you got more than 1 inquiry on average per month.

I would say stop on the apps totally. Its unlikely any prime bank will let you open any new account as you are now. Let your AAoA be >1 year (or close to 1yr), and you will stand a much better chance getting cards from prime bank.

waiting 8 more months may seem very long, but its going to be very much worth it in the long run.

[meesh6036]

They denied me a few months ago because lack of accounts (for a student card??), and high INQ (I had ~4 total). After reading the forums I figured going for a recon wouldn't work.

[ObeyJohnny12]

After 4 failed attempts, I think it's best to let go. After all you have aquired some good cards. I suggest you let them age and then try applying in the future after you have some solid history.