topic Re: Discover IT in Credit Card Applications

Discover IT

MJVBAK — Wed, 09 Dec 2015 00:18:54 GMT

I checked the status on a Discover App I put in and got this:

You're almost done. Thank you for your application. Your reference number is xxxxxxxxxxxxxx

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at 1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

Is this a good sign or is it a denial? Myfico says I have a TU at 722 and a EQ at 608, Experian won't even pull a report or score.

Re: Discover IT

myjourney — Wed, 09 Dec 2015 00:31:33 GMT

Hard to say your EQ is on the low side but history says when they ask to call usually its a higher APR and or shorter 0% timeframe offer

Give them a call and good luck

Re: Discover IT

Anonymous — Wed, 09 Dec 2015 00:35:57 GMT

That's a maybe but if it was a straight out denial they'd have denied you so it's probably a good sign.

They may offer you slightly different terms from what you applied for - maybe a different intro period or a different APR or something. A lot of time if they counter they'll counter on the web but sometimes they need to verify stuff over the phone.

Re: Discover IT

Anonymous — Wed, 09 Dec 2015 01:23:21 GMT

I'd say it's better than an auto-denial but not as good as an auto-approval.

Went through this same thing with Capital One Quicksilver 1. They wanted me to provide proof of DL / SS Card / and Address Verification. Once submitted CO approved the application. Also, right now I am awaiting an EO Decision from Ctit DCB after calling the EO line. And, Amex BCE still "In Progress" they said a letter is coming and once I get it to look it over and call them.

It stinks waiting for decisions....

Re: Discover IT

MJVBAK — Wed, 09 Dec 2015 02:09:01 GMT

Sweet Sweet Denial! They wanted a co-applicant, no thanks...

Re: Discover IT

myjourney — Wed, 09 Dec 2015 02:34:01 GMT

@MJVBAK wrote:
Sweet Sweet Denial! They wanted a co-applicant, no thanks...

Sorry to hear .....was it due to the EQ score?

Re: Discover IT

MJVBAK — Wed, 09 Dec 2015 02:49:28 GMT

She said she could not tell me, however a letter will be sent out explaining the denial. It's all good, I've been doing well so far!