topic Re: Discover preapproval - denied in Credit Card Applications

Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 18:08:23 GMT

I've been trying to get in with Discover since my husband got his account. Kept getting the secured card offer but passed because I have plenty of credit. Last week got a preapproval for IT so I applied.... denied. Is this common? How long should I wait to check again?

Re: Discover preapproval - denied

Remedios — Mon, 05 Feb 2018 18:11:45 GMT

wrote:
I've been trying to get in with Discover since my husband got his account. Kept getting the secured card offer but passed because I have plenty of credit. Last week got a preapproval for IT so I applied.... denied. Is this common? How long should I wait to check again?

If you apply within 30 days from the last application, it will be denied automatically

Re: Discover preapproval - denied

FinStar — Mon, 05 Feb 2018 18:26:56 GMT

Yes, pre-approval solicitations can get declined if anything has changed in your profile that no longer meets their elegibility requirements or criteria. It's usually stated in the fine print of any pre-approval offer.

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 22:08:18 GMT

Sorry to hear that.

Curious, did you have a solid APR on the pre-qual or a range? (ex.. APR 14-24%)

Interesting that you were able to check for a pre-qual, for some reason i can't right now.

It's been a week of getting this message after i click submit... "Opps. Something went wrong."

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 22:29:42 GMT

I honestly don't remember. I did notice if I try the prequal page with my husband's info.. I get that same Oops message. My guess is it happens to those who already have an account with them? I will go check the prequal page again and see what happens.

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 22:31:09 GMT

Just went and checked, it's a fixed APR.. high.. but fixed.

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 22:38:18 GMT

That would make sense, thanks for the info

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 22:44:16 GMT

That's usually what we want when were looking at pre-quals. Has anything changed on your reports recently.
If you haven't already, i would look into if Disc has a reconsideration phone number. There is a thread here in the forums that have a list of all the different credit card company recon lines

Re: Discover preapproval - denied

Anonymous — Mon, 05 Feb 2018 23:05:03 GMT

wrote:
That's usually what we want when were looking at pre-quals. Has anything changed on your reports recently.
If you haven't already, i would look into if Disc has a reconsideration phone number. There is a thread here in the forums that have a list of all the different credit card company recon lines

Recon line was useless, basically said they don't do recons. Not sure if that's true or not. Declined for too many recent inquiries. Guess I'll wait it out. Ironically enough, when I got off the phone and rechecked the prequal, now it's only showing a secured card.

Re: Discover preapproval - denied

FinStar — Mon, 05 Feb 2018 23:11:14 GMT

Discover reconsiderations are hit or miss and they're not usually known for successful results via that route, unlike Barclays, BOA, or Chase, for instance.

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 01:07:12 GMT

Ah, that's to bad, but worth the try

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 01:09:43 GMT

That's good to know

Re: Discover preapproval - denied

Newbie2018 — Tue, 06 Feb 2018 04:45:20 GMT

I got denied too. Then I kept trying over and over again and now I get an error message that they can't search for pre-approval at this time. I think they booted me lol.

Re: Discover preapproval - denied

Newbie2018 — Tue, 06 Feb 2018 04:46:11 GMT

Omg me too! Same message.for a week now.

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 04:47:29 GMT

wrote:
wrote:
That's usually what we want when were looking at pre-quals. Has anything changed on your reports recently.
If you haven't already, i would look into if Disc has a reconsideration phone number. There is a thread here in the forums that have a list of all the different credit card company recon lines
Recon line was useless, basically said they don't do recons. Not sure if that's true or not. Declined for too many recent inquiries. Guess I'll wait it out. Ironically enough, when I got off the phone and rechecked the prequal, now it's only showing a secured card.

How many inquiries do you have in the last 12 months?

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 15:23:24 GMT

I have 12 on my EQ for the last 12 months

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 16:49:26 GMT

Sorry that happened to you. I have had the same with credit union offers. It sucks. Just be patient and your time will come.

Re: Discover preapproval - denied

J-F168 — Tue, 06 Feb 2018 23:07:27 GMT

I was pre-approved and I applied several time with negative results. Next, I wrote my complaint to CFPB against Disco. They removed my inquires, and less than a moth I applied again and got he card.

Re: Discover preapproval - denied

Anonymous — Tue, 06 Feb 2018 23:41:35 GMT

That is interesting

Re: Discover preapproval - denied

Anonymous — Wed, 07 Feb 2018 04:32:03 GMT

If this is any help for you I got preapproval in November. Applied .Was denied .Several reasons( some of them NOT even true). Reconned with no luck. Never got a HP. Ok good. So in January I said what the heck while on an app spree and tried again .Being that I never got am HP on the previous denial I figured oh well what's the worst that can happen? I had already expected one anyway beforehand .Anywho, applied and was approved for $10k. Highest CL I've ever had or have. Like what? You deny me two months before then give me 10k? Yes .They are weird. Don't get discouraged. Just try again in a few months .Also sign up for their free scorecard .(I feel like thats part if the reason it was a SP). I hear they use credit reports that are usually a month or two behind. Not that it mattered for me (nothing changed in that time) but it may help for you. Best of luck. Keep building .