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discover application status

Frequent Contributor

discover application status

their site says they will contact me within 30 days with a descision on my credit card. is there a way to speed things up?

Last app 1/2/2017.
In the garden until at least 6/2/2017.
10 REPLIES
Valued Contributor

Re: discover application status

Yes, call the backdoor number. You can find that in a sticky in this forum.

 

Ask them if there is "any more information" they might need or if they can go ahead and approve you now.

 

Worth the call. I had to do this and I ended up approved.

 

Good luck!

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **
Frequent Contributor

Re: discover application status

called. declined. too many inquiries.

Last app 1/2/2017.
In the garden until at least 6/2/2017.
Frequent Contributor

Re: discover application status

Is that your current score in your sig? Too late now, but I wouldn't waste an inquiry with a company like Discover with a score that low. Those types of cards aren't usually available under 650. Banks like that also want few to no inquiries. With a score like that, subprime and store card are what you'll need (an actually have a possibility of getting approved for) to build credit. Get around 620 and you can probably get a credit union card.

Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Frequent Contributor

Re: discover application status

when i just refinanced my house and bought a new vehicle, i was told my scores ranged from 623 to 670.

Last app 1/2/2017.
In the garden until at least 6/2/2017.
Valued Contributor

Re: discover application status

Try again in 6 months or so.

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **
Frequent Contributor

Re: discover application status

Scores are just right there. It was probably the inquiries from the new loans.


Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Frequent Contributor

Re: discover application status

yeah. the guy at discover said i was declined due to the number of inquiries.

Last app 1/2/2017.
In the garden until at least 6/2/2017.
Contributor

Re: discover application status

I would try and recon... I got declined for too many inquiries back in december and got it overturned.

 

It's definately worth a try, especially if you can explain the inquiries.


Starting Score: EX FICO: Unknown EQ FICO: 717 TU (CreditKarma): 713
Current Score: EX FICO: 737 EQ FICO: 752 TU (CreditKarma): 717
Goal Score: EX FICO: 760 EQ FICO: 760 TU (CreditKarma): 760


Take the FICO Fitness Challenge

Established Contributor

Re: discover application status

Discover is extremely difficult to get a recon with based on my experience.

 

I was denied by Discover 2x before a miracle happened ( they called me back and considered my application).

 

Best of luck, if anything I would wait 6-12 months.

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas