Recon with Discover - Advice?

[logan_720]

So tomorrow I am going to try and recon with Discover and see if I can get an approval for the Discover More card. I have had experience reconning with Chase, as well as Barclay. As I understood it, Barclay was an easy bank to recon with, my question now is; 

Have any of you had experience talking with Discover CSR's or Credit Analysts? If so, what is it like compared to reconning with other banks? I have read that their CSR's etc really have a lot more knowledge that some others. Anyway, advice/past experience is appreciated! 

Thanks 

[LS2982]

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@logan_720 wrote:

So tomorrow I am going to try and recon with Discover and see if I can get an approval for the Discover More card. I have had experience reconning with Chase, as well as Barclay. As I understood it, Barclay was an easy bank to recon with, my question now is; 

Have any of you had experience talking with Discover CSR's or Credit Analysts? If so, what is it like compared to reconning with other banks? I have read that their CSR's etc really have a lot more knowledge that some others. Anyway, advice/past experience is appreciated! 

Thanks 

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What was your denial reasons and have you recieved their letter yet?

[logan_720]

Well apparently, you're the only one thats going to respond And I'm sure you know, its because of inquiries. Thats the only reason, and I know that means I need to garden but my trigger finger just got away from me, and before I knew it the app was magically filled out!  

Do you have any experience with them?

[xxpert]

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@logan_720 wrote:

Well apparently, you're the only one thats going to respond And I'm sure you know, its because of inquiries. Thats the only reason, and I know that means I need to garden but my trigger finger just got away from me, and before I knew it the app was magically filled out!  

Do you have any experience with them?

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Time to change that sig

[LS2982]

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@logan_720 wrote:

Well apparently, you're the only one thats going to respond And I'm sure you know, its because of inquiries. Thats the only reason, and I know that means I need to garden but my trigger finger just got away from me, and before I knew it the app was magically filled out!  

Do you have any experience with them?

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It is hard to recon INQ's with Discover. That was one of their reasons for my denial in december. Only thing I ca nrecommend is do what I'm doing and garden for 6 months and reapp.

[logan_720]

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@xxpert wrote:

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@logan_720 wrote:

Well apparently, you're the only one thats going to respond And I'm sure you know, its because of inquiries. Thats the only reason, and I know that means I need to garden but my trigger finger just got away from me, and before I knew it the app was magically filled out!  

Do you have any experience with them?

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Time to change that sig

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I would have to disagree. Compared to last year, I am gardening. Quite heavily. I'm planting pulling weeds like there is no tomorrow.

[logan_720]

Well I'll go ahead and give it a shot, I'll post back on the decision/success!

[LS2982]

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@logan_720 wrote:

Well I'll go ahead and give it a shot, I'll post back on the decision/success!

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Fingers crossed for you!!

[logan_720]

Ok, so here's an update:

I called the "supposed" back door number ((800)676- 3695) and talked to a very nice sounding CSR, I told her I had been basically due to, too many inquiries, and asked if the application be reconsidered, she told me that she had no authority to make that decision....And that I should be receiving a letter in the mail soon. Here's the think, I didn't have to verify anything, just my DOB and last name....

[Jazzzy]

I had a successful recon with Discover. I waited until I got the letter giving me the reasons and then called the number in the letter....or the number on the back of my husband's Discover. I don't think I called a back door number.

I'm certain they thought I had too much in payments, and their mistake was exactly what I surmised it might be. We don't have a mortgage on our house, but we have a big HELOC. We also have a mortgage on a rental house. She said, "Well...it looks like you have 2 mortgages." When I explained the situation, she put me on hold, came back and told me I was approved. They hadn't been considering the rental income. I thanked them, and she asked me if I wanted to know how much I was approved for. I said sure. She said $11.8k.

So, my situation was very different than yours...but I did find them good to deal with.

Word of advice? Things get a lot easier out there when you let the inquiries die off. I know it's tempting to app, but the wait is worth it. I hadn't applied for anything in 2 years. Then I recently put in an app with Pen Fed. Got an instant online approval with a $13k limit. The cards and the higher limits will come if you let them think you don't need them.