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Regular Contributor
Posts: 152
Registered: ‎08-20-2010
0

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?


Starting Score: 505
Current Score: 556
Goal Score: 700


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Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

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 **

Regular Contributor
Posts: 152
Registered: ‎08-20-2010
0

Re: discover application status

called. declined. too many inquiries.


Starting Score: 505
Current Score: 556
Goal Score: 700


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Frequent Contributor
Posts: 437
Registered: ‎05-21-2011
0

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+


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Regular Contributor
Posts: 152
Registered: ‎08-20-2010
0

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.


Starting Score: 505
Current Score: 556
Goal Score: 700


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Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

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
Posts: 437
Registered: ‎05-21-2011
0

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+


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Regular Contributor
Posts: 152
Registered: ‎08-20-2010
0

Re: discover application status

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


Starting Score: 505
Current Score: 556
Goal Score: 700


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Contributor
Posts: 132
Registered: ‎12-07-2010
0

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


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Established Contributor
Posts: 620
Registered: ‎08-14-2010
0

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

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