08-10-2012 04:13 PM
I just closed on a house this week and am ready to begin gardening for a year or two. I only have two small Captial one CC with $300 limits, so I know I need some bigger limit cards. My scores are 645-660. I applied for capital one and recieved a $1000 card.
I then applied to Discover and got the prompt that my approval status was being reviewed but was also prompted to set up an online acct. I went thru the steps and again received a noticed that my "approval status' was being reviewed and I would be notified.
I assume this is a denial, but why go thur setting up an online acct and all the extra BS?
08-10-2012 04:30 PM
You were approved...thats why they set you up an account.
08-10-2012 04:31 PM
Exact same thing happened when I applied for my Discover Escape... I immediatly called in to see if then needed anything and they transferred me to a credit analyst. There she approved me on the spot for $1500. My score was similar to yours at that time.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.