topic Discover denial - again in Credit Card Applications

Discover denial - again

Anonymous — Sun, 04 Apr 2021 14:29:41 GMT

Has anyone ever gotten in with Discover with a bunch of inquiries? Rejection from prequal citing too many recent inquiries for a few months now. Haven't done any HPs for 8 months, one day they'll age off & I'll probably be good with Discover but wow they are hard to get a foot in the door.
Currently at 643, should go up to 660+ once all accounts update current (unreported) util. @ under 8%.
Does Discover ever recon through a back door #?

Re: Discover denial - again

Horseshoez — Sun, 04 Apr 2021 14:46:51 GMT

@Anonymous, LOL, join the club, my scores are just a hair above yours and I too ran into the same issue with Discover; to make it worse, last fall they sent me a Pre-Approved mailer and I took the bait and was denied for that as well, and to add insult to injury, that came along with a Hard Pull. Last month I decided to change tack and applied for a PenFed credit card, approved for $6,000! With that card in hand, I have the requisite three cards and I no longer need/want/desire anything from Discover and will probably never apply for a card from them again, ever.

Re: Discover denial - again

Anonymous — Sun, 04 Apr 2021 16:24:51 GMT

I'm pulling a pre-qualed Disco 22.99% offer with 15 inquiries and 13 accounts in the last year. EX 696 with one card maxed out 100% at 5K balance.

They're known to not be too sensitive to velocity but it seems your profile may be dirty or something.

Re: Discover denial - again

Anonymous — Sun, 04 Apr 2021 17:17:16 GMT

They only ever cite too many recent inquiries... :/

thanks for the info

Re: Discover denial - again

Anonymous — Sun, 04 Apr 2021 17:18:16 GMT

thanks does penn fed offer prequal? Trying to avoid any more HPs... I'll go Google

Re: Discover denial - again

CreditCuriosity — Sun, 04 Apr 2021 17:23:40 GMT

Penfed does not offer pre-quals/approvals for their CC's only a few lenders do such as Cap1 for their sub-prime cards, discover and a few others mainly in the sub-prime space although Chase might as well still, but with current scores probably would be a no go with chase. Keep working on getting scores up and working on your baddies. With CV-19 and the downturn in the econmy alot of prequals went away

Re: Discover denial - again

Anonymous — Sun, 04 Apr 2021 20:18:34 GMT

Thank-you for the info