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Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?


remarc wrote:
They are sending them out everywhere at the moment. My wife & I both got one & were already with Discover.


+1

 

Before I opted out of prescreens, I would get weekly pre approvals from Discover.  They totally buy info from the CRAs

Contributor
Mistakes
Posts: 78
Registered: ‎10-19-2011
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

OMG! Just hung up with Discover and the guy approved me!!!!!!  1000k to start but I'll take it!


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


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Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
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Re: Received pre-approval for Discover. Applied and Denied. should I recon?

Great, Congrats! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
tray
Posts: 1,391
Registered: ‎01-29-2008
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

Good For you, congrats Always at least ask for reconsideration as you never now what the outcome will be!!!!:smileyhappy:


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

Great news! If you are still in the military I recommend navy federal credit union!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

yay for Discover!!!  I got approved today too!! I got a pre-approved letter in the mail a couple days ago...

I was shocked that I was approved with only a few months of history. lol.

:smileyhappy:


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

OP did you ever try to goodwill the lates off your report with proof you were deployed at the time? you can aruge internet access was not always there.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
Mistakes
Posts: 78
Registered: ‎10-19-2011
0

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

I'm still active duty, 13 years now and still having fun!  I went through a nasty divorce  and left NFCU but have just reopened my accounts! NFCU gave me 5k on the N rewards card and USAA started me at 3k MC.  Just moved my direct deposit to NFCU so I'm hoping for a nice cli soon.  I really wish I would've found these forums earlier, they would've helped me so much!

 

thank you so much everyone!


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: Received pre-approval for Discover. Applied and Denied. should I recon?

[ Edited ]

Mistakes wrote:

I'm still active duty, 13 years now and still having fun!  I went through a nasty divorce  and left NFCU but have just reopened my accounts! NFCU gave me 5k on the N rewards card and USAA started me at 3k MC.  Just moved my direct deposit to NFCU so I'm hoping for a nice cli soon.  I really wish I would've found these forums earlier, they would've helped me so much!

 

thank you so much everyone!


Congrats on the approvals. Also keep in mind that most banks are very friendly to service members. For example Chase and US Bank will give you high tier checking and savings account with the fee's permanently waived. These will give you addition perks with their corresponding credit cards. Also, it will get you stuff like checks and safety deposit boxes either free or discounted. Thank you for your service.

 

US Bank waives the fee on this:

https://www.usbank.com/package/platinum.html

 

Chase waives the fee on this:

https://www.chase.com/online/military/military-personal.htm

 

I think most banks will offer some kind of fee waiver. So if you ever need a checking account with a bank for any reason. Be sure to tell them you are in the military and see what they can offer.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


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Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
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Re: Received pre-approval for Discover. Applied and Denied. should I recon?

[ Edited ]

Mistakes wrote:

OMG! Just hung up with Discover and the guy approved me!!!!!!  1000k to start but I'll take it!


congratulations!

 

and thanks for your service to our country :smileyhappy: 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
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