topic Re: Second Discover IT denied in Credit Card Applications

Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 13:42:14 GMT

I have a discover it with 12500 limit. I wanted to get the double cash back offer so applied the for a new card yesterday. But it was denied. Current TU fico is 665. AAoA is low at 14 months and have a couple of paid charge off accounts that will fall off in 12/2016. You think it's worth trying a recon. I don't mind the hard pull because the application itself was an impulsive thing I did late night. I already have a Citi double cash card as an AU ( was denied the card when I applied last month). I'm in two minds because of the AAoA hit.

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 14:01:10 GMT

I think you should call TU and ask for an early exclusion on your baddies. Then you have a good shot!

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 14:04:44 GMT

I didn't know that was even possible.

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 14:14:20 GMT

It sure is. Call tu right now, ask for a supervisor, insist on it. Cs reps can't do it. Say I'm calling to ask for an early exclusion on ect ect.. They should remove them right then and there.

Re: Second Discover IT denied

B335is — Wed, 29 Jul 2015 14:14:50 GMT

Discover recon is useless. They will just stand by the computer decision.

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 14:15:14 GMT

Oh crap. Never mind. I thought it was this December. Sorry.

Can't hurt to recon with discover. Call them.

Re: Second Discover IT denied

kdm31091 — Wed, 29 Jul 2015 14:28:51 GMT

Never heard of being able to get a second Discover before. I get being disappointed about missing the promo, but why apply for a new card that you already have?

Don't see them overturning this. You're just trying to get around their policy that existing cardholders cannot have the promo. I'm quite sure they are smart enough to see what you are trying to do!

If they had not given me the promo (I asked before the "no existing cardholder" thing came about), I wouldn't be applying and trying to get around it...it's just life sometimes. You miss out on things. Not the end of the world and certainly not worth a duplicate card.

Re: Second Discover IT denied

yfan — Wed, 29 Jul 2015 14:47:28 GMT

Discover was the bank that figured out how to stop people from exploiting bonuses: by doubling the rewards for all purchases for a year rather than a fat bonus for a spend amount in a short period of time. So I'm not at all surprised Discover won't let you have a second IT card.

Re: Second Discover IT denied

B335is — Wed, 29 Jul 2015 16:07:25 GMT

Many people have more than one Discover card. Data suggests they are much more stringent with approving a second card. I can't seem to get their Miles card but have only had my regular it card for about 3 years.

Re: Second Discover IT denied

ojefferyo — Wed, 29 Jul 2015 16:57:14 GMT

I been told by one of the reps that you can't have two of the same card but you can have one of each that they offer.

Re: Second Discover IT denied

ojefferyo — Wed, 29 Jul 2015 16:58:54 GMT

@B335is wrote:
Many people have more than one Discover card. Data suggests they are much more stringent with approving a second card. I can't seem to get their Miles card but have only had my regular it card for about 3 years.

Dang, 3 years should be plenty of time for you to show them responsible use to give you the Miles card. I had my It card for 6 months when I got the Miles card.

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 16:59:19 GMT

I'm pretty sure my credit profile doesn't qualify for a 2nd IT going by kdm's assessment. I'll let it be and eat the HP. As I said, it was an instinctive late night application that probably wouldn't have happened if I was thinking clearly

Re: Second Discover IT denied

Anonymous — Wed, 29 Jul 2015 18:26:40 GMT

it would be nice if they were lenient and didn't HP for a denial since you already have their cards