Discover more

[laryn41]

Been getting pre approval in the mail for the past year...  Just decided to go for it cause my score watch said my score bumped up to a 743 from a 698.  I figured ill transfer to get a lower interest rate. Declined on line instantly.  Little upset i wasted the inq.  I mean WTF?

[Anonymous]

unpredictable

[mazinaige]

Same thing happened to me today with Discover More. I can't believe I was denied. I mean, I knew applying for two cards was risky but I was more concerned about the impact of opening two new accounts on my FICO score then I was about getting denied. Ouch!

[MrShush]

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@laryn41 wrote:

Been getting pre approval in the mail for the past year...  Just decided to go for it cause my score watch said my score bumped up to a 743 from a 698.  I figured ill transfer to get a lower interest rate. Declined on line instantly.  Little upset i wasted the inq.  I mean WTF?

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I'd definitely call for recon. Perhaps a human will approve whereas automated underwriting won't?

[laryn41]

Recon was a success!  I didn't add in my hubby's income and that was the problem.  Thanks everyone!

[vanillabean]

laryn41 wrote:

"Recon was a success!  I didn't add in my hubby's income and that was the problem.  Thanks everyone!"

Congratulations!

Interesting that an individual should specify the household income.

Can I ask you how many inquiries you have? Discover, I think, is sensitive to that.