topic Re: Approved for Freedom-Denied Discover in Credit Card Approvals

Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 02:58:47 GMT

The Good The Bad and The Ugly

The Good - Instantly Approved for Chase Freedom with $7,000 credit line.

The Bad - Denied Discover More (Dreaded 30 day notice)

The Ugly - Chase did not even permit me to Apply for their Chase Saphire Preferred

I celebrated hitting 800 today by going on a mini App Spree.

I am Amex Heavy (3 cards) so I have been waiting for the right opportunity to apply for some different cards.

I had opened a Chase checking account three months ago and today tried to Apply for a CSP

but the Chase Website stated their Saphire Preferred was NOT AVAILABLE to me so I tried to apply for their Freedom Card and I was instantly approved with a CL of $7,000.

I simultaneously applied for the Discover More card as they have been sending me Pre- Approvals every week for months. I received the dreaded 30 day notification.

So Chase accepted me with a $7,000 credit limit for their Freedom card and Discover turned me down.

I was unable to apply for the Chase Saphire even though I have an account with them and have 800 scores.

Discover turns me down even though I have 800 scores and have an Amex True Savings with a Credit Line of $10,000.

No Negatives

Short Credit History 10 months but Long Amex Back Date 29 years

Go figure.

UPDATE To FOLLOW

Re: Approved for Freedom-Denied Discover

injustifiiable — Mon, 26 Nov 2012 23:45:14 GMT

You should call Discover...maybe they just need to Verify ID? I doubt they'd decline with those scores!

Re: Approved for Freedom-Denied Discover

wallyworld123 — Mon, 26 Nov 2012 23:50:56 GMT

+1 yes u are assuming u were denied. Congrats on the approval from chase!

Re: Approved for Freedom-Denied Discover

Epcot — Tue, 27 Nov 2012 00:04:29 GMT

Congrats on the Chase approval! I would call Discover and check on the status. A message saying they need more time is not a denial!

Re: Approved for Freedom-Denied Discover

HiLine — Tue, 27 Nov 2012 00:14:27 GMT

I bet Discover accepted you. They may be suspicious of your FICO score though lol. Congratulations!!!!

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 00:30:09 GMT

Humbling.

I was a bit surprised, I guess I thought I would be instantly approved by Discover as they have been sending me so many pr-approval letters in the mail.

To tell you the truth I really did not want a Discover card. I really wanted the CSP.

The Discover application was filed simultaneously in case I did not get approved for the CSP or Freedom.

My overall plan was to have an Amex Charge card, an Amex Revolver, a Chase Saphire Preferred and two other credit cards.

I would then cut my CapitalOne secured card loose and get my secured deposit back

and then off I will go to the Garden locking the Gate behing me.

Thanks for Playing.

Re: Approved for Freedom-Denied Discover

distantarray — Tue, 27 Nov 2012 01:17:25 GMT

call the recon line for Chase Sapphire, they don't like opening two accounts on the same day but you can talk them into it, if you have a checking with them use that as your leverage people have reported they didn't know you had one unless you tell them. I was able to recon no problem. Got both on same day with much less score than you =)

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 01:23:24 GMT

Thanks I will give them a call.

Seems strange that I could not even get to the application page on the CSP but had no problem ith the Freedom.

I would like to have the Chase Trifecta.

Re: Approved for Freedom-Denied Discover

distantarray — Tue, 27 Nov 2012 01:25:33 GMT

@Mustangfrank wrote:
Thanks I will give them a call.
Seems strange that I could not even get to the application page on the CSP but had no problem ith the Freedom.
I would like to have the Chase Trifecta.

i actually quoted the Trifecta lol, they said what why do i want the Freedom (i went csp first) then I said since I have checking with Chase I wanted 10/10 with Freedom and able to transfer to the CSP lol I also noted I had 50k+ in their checking

Re: Approved for Freedom-Denied Discover

AF_23 — Tue, 27 Nov 2012 01:34:04 GMT

@Mustangfrank wrote:
Humbling.
I was a bit surprised, I guess I thought I would be instantly approved by Discover as they have been sending me so many pr-approval letters in the mail.
To tell you the truth I really did not want a Discover card. I really wanted the CSP.
The Discover application was filed simultaneously in case I did not get approved for the CSP or Freedom.

If you're interested call them. Discover is one of those companies that mean it when they send out those pre-approves. Not to mention, your scores are out of this world. Im sure a representative will go above and beyond to get you in with their great CS

Re: Approved for Freedom-Denied Discover

LS2982 — Tue, 27 Nov 2012 02:10:59 GMT

Are you going to call Discover?? Why waste an INQ proably over just verifying info??

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 02:56:08 GMT

@distantarray wrote:
call the recon line for Chase Sapphire, they don't like opening two accounts on the same day but you can talk them into it, if you have a checking with them use that as your leverage people have reported they didn't know you had one unless you tell them. I was able to recon no problem. Got both on same day with much less score than you =)

UPDATE:

OK This is a bit overwhelming !!

I went to the Chase Site this evening and was checking my account and noticed that my newly approved Freedom account was all set up.

Before I leave the site I see the Chase Saphire Prefered card image all sparkly and Beckoning so I figure what the heck and clicked on it. (This is the Card I really wanted to begin with) To my surprise this time it allows me to fill out the application unlike this afternoon.

I hit the Apply button and INSTANT APPROVAL !!

I nearly spit water all over my MacBook Pro !

Here is the real crazy part......... my Credit Limit is (Drum Roll).................. $17,000.

That's not a Typo Seventeen Thousand Dollars.

I am going into the garden, locking the gate behind me and throwing the key down the well.

I think I need a drink.....(and I don't even drink)

Thanks Everyone it has been one Hell of a journey.

Re: Approved for Freedom-Denied Discover

Anonymous — Tue, 27 Nov 2012 02:57:59 GMT

Wow! Thats fantastic! Good for you!

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 03:00:00 GMT

@Anonymous wrote:
Wow! Thats fantastic! Good for you!

This is crazy. No ?

Re: Approved for Freedom-Denied Discover

Anonymous — Tue, 27 Nov 2012 03:00:59 GMT

Absolutely! 17k is nuts!

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 03:02:52 GMT

Isn't it ?

Maybe they made a mistake.

A Computer glitch.

Re: Approved for Freedom-Denied Discover

daybreakgonesXe — Tue, 27 Nov 2012 03:03:43 GMT

@Mustangfrank wrote:
Isn't it ?
Maybe they made a mistake.
A Computer glitch.

LOL who cares?! Take it and RUN!

Re: Approved for Freedom-Denied Discover

distantarray — Tue, 27 Nov 2012 03:06:37 GMT

@Mustangfrank wrote:
Isn't it ?
Maybe they made a mistake.
A Computer glitch.

you have a 800 score and your wondering **bleep**? lol I only imagine what you'd get with Navy Federal, I remember when I got my first 17k credit limit I was like O_O!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! i was on a high for a few days lol then I read the interest rate 5.99% I was like O_O!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Re: Approved for Freedom-Denied Discover

Epcot — Tue, 27 Nov 2012 03:07:08 GMT

Wow.. Congrats! 17k, impressive!

Re: Approved for Freedom-Denied Discover

Mustangfrank — Tue, 27 Nov 2012 03:07:45 GMT

@LS2982 wrote:
Are you going to call Discover?? Why waste an INQ proably over just verifying info??

I think maybe I will Quit while I am a head.

I went from no credit at all to way more than I need.