Credit Cards

[knj601]

Today, I decided to just give Discover a shot before I call off all credit applications for at least 6-9 months. Instantly denied due to inquiries. I called to recon and the CSR was friendly and informative. He basically said the only reason he could see that I was denied was the inquries (kind of figured , but I had the itch ) I asked if there was anyone else who could take a look and explained the reasons for most of the inquiries that were not credit card related. (student loans, apartment hunting, and car loans)  It seems EVERYONE likes to pull TU for me. TU has about 15 inq (I KNOW!!) EQ & EX have maybe 3 each. He said he would forward it to a supervisor, and I should expect a response within 24-48 hours. I am not holding my breath on an approval, but it felt soooo good to get denied for inquiries and nothing else. I have worked hard on improving my credit and lowering my utilization. If it is a no go, I will wait at least 6 months and try again. I just wanted to share & thank the forum for all the advice that has helped me move forward. Now NO MORE APPS for me until I reapply for Discover!! 

BTW: I just got my mail and there is a preapproval for a Discover More card! First preapproval letter in years. Talk about rubbing salt in the wounds. lol.

[Epcot]

You never know, maybe it will come back as an approval! Keep us posted.

[knj601]

That would make my day!! I will let you know what happens!!

[Unique620]

I hope you get approved! Keep us posted!

[knj601]

Thanks!

[Cadillac-XTS]

+1 @ priceless07

[Jutz]

Good luck! 

[linux007969]

---

knj601 wrote:

Today, I decided to just give Discover a shot before I call off all credit applications for at least 6-9 months. Instantly denied due to inquiries. I called to recon and the CSR was friendly and informative. He basically said the only reason he could see that I was denied was the inquries (kind of figured , but I had the itch ) I asked if there was anyone else who could take a look and explained the reasons for most of the inquiries that were not credit card related. (student loans, apartment hunting, and car loans)  It seems EVERYONE likes to pull TU for me. TU has about 15 inq (I KNOW!!) EQ & EX have maybe 3 each. He said he would forward it to a supervisor, and I should expect a response within 24-48 hours. I am not holding my breath on an approval, but it felt soooo good to get denied for inquiries and nothing else. I have worked hard on improving my credit and lowering my utilization. If it is a no go, I will wait at least 6 months and try again. I just wanted to share & thank the forum for all the advice that has helped me move forward. Now NO MORE APPS for me until I reapply for Discover!! 

BTW: I just got my mail and there is a preapproval for a Discover More card! First preapproval letter in years. Talk about rubbing salt in the wounds. lol.

---

only 15 inquaries and u were denied? I had 20 and most were from this year and i was approved. They hard pulled TU.... I'm awaiting my card in the mail to see if they pulled anyone else. sorry for your luck!

[knj601]

Now I am really jealous. lol.

[aplast]

best of luck to you! I ended up applying for discover this summer and got the 7 day message. Called in for recon and they asked me a couple questions about my credit cards and inquiries that I had and I explained everything. BOOM she came back with 1000 dollars and a promise of a CLI in 6 months with responsible use. hopefully they will hook you up.