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08-13-2012 02:57 PM
Today I went on the Discover website to check pre-approved offers. Well usually I don't have any, but today 2 popped up. The More and Open Road Card. I was shocked. Anyway I filled out the application for the More card, and bam DECLINED!!!! Why???? Well it's because 3 medical collections on my EQ file. Keep in mind that I pay this bills every month all are 2 years old. So I called the backdoor # and get a nice CSR. She tells me that she can't re summit the application. Huh???? Doesn't sound like a Credit Analysts or Underwriter to me. Anyway told me to reapply in 6 months??? Do you guys think that I should try for another Recon. I've already bit the bullet and took the inquiry.
08-13-2012 03:11 PM - edited 08-13-2012 03:18 PM
You should know by now that preapproval is meaningless. Preapproval does not mean guaranteed approval.
3 COs on a credit report is a deal braker. Call the backdoor number listed on this forum, but don't get your hopes up.
08-13-2012 03:14 PM
Discover is getting real tricky. When you put your information in to check the pre-approvals the 2 that popped up were just recommended offers. People started noticing on the forums that it doesn't say Congratulations you have been pre-approved it just says recommended offers. If you clicked on the page that said view all offers it would of said sorry you don't have any offers. I would try another recon and see if the analyst is more willing to work with you.
08-13-2012 06:56 PM
Thanks you guys....I will call in the a.m. maybe I'll get a nicer CSR. I don't think that she was an Underwriter or CA. Maybe I need to find another #.
I had to recon twice before approval with them, always worth a shot!
08-13-2012 07:19 PM
When I applied last week, I got instant denial as well. I called the next and requested that I speak to a manager immediately without even explaining why I was calling. The managers had a meeting at that time so they took my phone number and about an hour later a manager called me. She tried to explain the same reasons that I already knew! She basically said you're history with current creditors is so short ( I had opened 4 new accounts just in May) .. but when she knew I'm a senior at college she put me on hold and came back with approval. That was the first nice manager I had ever talked to from Discover... usually they're not nice!
08-15-2012 01:48 PM
Oh well. Called today and was told to pay collections off first and than they would approve me.. I guess I won't be a Discover Card holder anytime soon. Thanks for the advice.
08-15-2012 01:57 PM
08-24-2012 04:09 PM
What number did you call?
I called 888-676-3695 after being denied, have paid all collections/charge-offs as well, and the guy told me I could reapply at a later date. How exactly do you approach the recon? Did I do something incorrectly?