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Frequent Contributor
traveler2005
Posts: 301
Registered: ‎08-13-2011

No Discover for me!!!!!!!!!!!!!!!!!!!!

So I had paid off a lien,  thought I would give Discover a shot, Declined, called backdoor number, explained tht lien was paid  off, the credit analsyt told me that while the lien is on my equifax report  PAID or UNPAID that they would not issue me credit. I told them that by the time 7 years rolls around, I will be old and not need their card. Thanked her and hung up!!!!!!!   So much for recon, so much for spending the last 2 years working my a$$ off to get my debts paid.and my credit straightened up. Did me no good, still in cap 1 land.   Sorry, yes I am having a one person pitty party, and it feels good!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 655, Exp 656 AE reject letter.,Eq 639
Goal Score: 700 across the board


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Established Contributor
voidman
Posts: 531
Registered: ‎06-07-2008

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

Do you need discover because it is Discoer with  nice orrange card :smileyhappy: or the credit 

 

If it former, I would say I had that feeling of getting a discover card long back but I realised that I don't really need that card. 

-void
Frequent Contributor
iMacDrew
Posts: 345
Registered: ‎07-13-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

dont worry, dont need it anyway.


Amex PRG NPSL | Amex BCP 6k | Discover IT 1.5k | CSP 5k | Military Star 3.2K | NFCU Cash Rewards 10k | US Bank Cash+ 5k
Valued Contributor
youngandcreditwrthy
Posts: 3,931
Registered: ‎08-16-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

Discover really isn't that great...their cashback program sucks comp'ed to Chase or even the low limit, sd'ed Cap One that gets me like 1% cashback regardless of purchase thresholds. :-)
Paypal Extras Plat MC $25k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Member
The_Gardener
Posts: 36
Registered: ‎08-14-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

Its probably for the best, im quite upset with them right now anyways. 

In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

EX-722(AMEX DENIAL)
EQ-692
CK-734
CS-703
Contributor
ajh5408
Posts: 98
Registered: ‎04-13-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

I wouldn't sweat Discover. They're a fine company, but the rewards just aren't competitive with the rest of the market these days...

.ılılıll | CK/TU FAKO [770] // CS/EX FAKO [789] // QZ/EX FAKO [724] // EX FICO [763] | llılılı.
Chase Hyatt [$9K] // AMEX SimplyCash [$8K] // Chase Freedom [$7K] // PenFed Platinum Rewards [$6.5K] // AMEX Clear [$6K] //
Citi Forward [$6K] // BoA Privileges Cash [$5K] // Discover it [$3.5K] // Citi ThankYou Preferred [$2.2K] //
Established Contributor
searchingfor67
Posts: 642
Registered: ‎08-02-2011

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

I agree with everyone else and then some. Discover rarely get's any use from me. It just isn't competitive with my freedom 10/10 + CSP bonus plan...I only keep it open because it doesn't have an annual fee.

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Established Contributor
migliogiorni
Posts: 591
Registered: ‎06-27-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

Totally agree, their rewards aren't that good compared to Chase Freedom.  Not worth the worry.

 

Dallas Cowboys Fan :smileyvery-happy:
CSP: 5k
Wally: 5k
BofA: 4.9k
Chase: 4k
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JCP: 2.4k
DFS: 2k
Discover: 1.25 k
Contributor
praise123
Posts: 102
Registered: ‎06-24-2012

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!

Hang in there. You have accomplished a lot byplaying off that debt. You don't have to worry about the embarrassing calls from creditors. Your time will coapp just keep working your plan and paying on time. Your going to look up and one day will get all the cards you want. Be proud of your hard work of cleaning up Your credit

Mega Contributor
LS2982
Posts: 15,096
Registered: ‎04-09-2011

Re: No Discover for me!!!!!!!!!!!!!!!!!!!!


traveler2005 wrote:

So I had paid off a lien,  thought I would give Discover a shot, Declined, called backdoor number, explained tht lien was paid  off, the credit analsyt told me that while the lien is on my equifax report  PAID or UNPAID that they would not issue me credit. I told them that by the time 7 years rolls around, I will be old and not need their card. Thanked her and hung up!!!!!!!   So much for recon, so much for spending the last 2 years working my a$$ off to get my debts paid.and my credit straightened up. Did me no good, still in cap 1 land.   Sorry, yes I am having a one person pitty party, and it feels good!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Call back and speak to a different rep. on recon, it worked for me! :smileyhappy:

 




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