Credit Card Center Advertiser Disclosure

New Visitor
Posts: 2
Registered: ‎02-24-2009
0 Kudos

Discover card app 30-day message - denial?

[ Edited ]

i applied for a discover card a couple months ago and got denied right away  this time said needs further processing i applied on the 17th of febuary and still waiting  to hear from them . doe,s anyone on here have a discover card and got the 30 day message and then a week or so later got approved please help im scared to call !!!!!!!


(This was originally posted to an old thread; split it off so marie12345 can get input on her question.. - Scamp)

Message Edited by Scamp on 02-24-2009 11:40 AM
Senior Contributor
Posts: 3,879
Registered: ‎01-10-2008
0 Kudos

Re: Discover card app 30-day message - denial?

i submitted a preapproved app. for Discover More a few months ago and received the 30 day msg. i too was hesitant to call as it was a bit of a "reach" application for me and to my delight i had been approved.


it won't hurt any less if you wait it out will it?  i understand if for whatever reason you'd rather wait but in my case i broke down and called, i couldn't take the suspense Smiley Very Happy


if you decide to call -you may be happily surprised like i was. i was originally denied for Discover more than a year previous to my more recent app.  if your report looks better than it did when you received a denial a few months ago, maybe you'll get the right answer this time.  GL!


DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Posts: 103
Registered: ‎09-29-2008
0 Kudos

Re: Discover card app 30-day message - denial?

I rec'd an invitation in the mail to apply for Discover and I am not what I would consider a candidate for their credit scrutiny.  I have also been opted out of receiving offers.  Could this be a legite offer, or follow my instincts and avoid a decline?
New Contributor
Posts: 110
Registered: ‎01-12-2009
0 Kudos

Re: Discover card app 30-day message - denial?

don't be scared to call them, just dooooooo it Smiley Wink


seriously, even one little mistake that you could have made on the application, like wrong digit input on your social, or address, etc. could automatically make an application go to 30 day message instead of instant response.


good luck 

Valued Member
Posts: 49
Registered: ‎02-07-2008
0 Kudos

Re: Discover card app 30-day message - denial?

When I applied for the Discover More card last year I received a 30-day reply. A few days later I get a strange call, but didn't bother picking it up. I looked up the number, and when I found out it was Discover, I immediately called them back. It turns out I was approved for a lower 'tier' and I just needed to okay the changes (different APR, etc.).


I would definitely call them. Chances are they just need to verify some information or okay a change like mine had.


Good luck! Smiley Happy 

2/2008 :: TU 610 :: EQ 610 :: EX 638 :: Beginning scores
2/2009 :: TU 699 :: EQ 697 :: EX 690 :: 1-year mark
2/2010 :: TU 682 :: EQ 670 :: 2-year mark
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0 Kudos

Re: Discover card app 30-day message - denial?

Hi Marie, welcome to the forums!


I got the 30 day message from Discover when I applied last June. I called in, verified some info (I remember it took a hot minute on the phone to give them all the info they wanted), and found out I was approved. 


All is not lost!

Here we go again...

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.