topic Re: Discover IT in Credit Card Applications

Discover IT

Anonymous — Mon, 14 Dec 2015 03:19:09 GMT

Since I've been on an app spree the past couple days, I said what the heck and decided to try for a Discover IT. To my surprise, I wasn't immediately rejected, lol. I did receive the "You're almost done. We just need a few more minutes of your time" message, along with a reference number. I have to call them tomorrow (they're closed already today) and verify info so that they can finish processing.

Is this good, bad or neither?

Thanks!

Re: Discover IT

Anonymous — Mon, 14 Dec 2015 03:32:18 GMT

This happened to me and they just wanted to verify my identity because I had recently purchased a new house and moved (I had to upload something with my new address and then answer some security questions over the phone). Good luck!

Re: Discover IT

Anonymous — Mon, 14 Dec 2015 04:17:42 GMT

Thanks Jonfi!

We'll see what happens!

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 05:03:44 GMT

Good luck!

Re: Discover IT

pizza1 — Tue, 15 Dec 2015 05:08:14 GMT

verification...good luck!

Re: Discover IT

etstrong98 — Tue, 15 Dec 2015 17:53:20 GMT

How did it go???

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 18:05:40 GMT

Thanks for all of the replies, but they declined. No offer for a secured, either.

Oh well! I'll probably try again in a year or so..

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 19:33:30 GMT

@Anonymous wrote:
Thanks for all of the replies, but they declined. No offer for a secured, either.

Oh well! I'll probably try again in a year or so..

That's too bad, sorry about the decline. What reasons did they give?

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 19:50:27 GMT

The CSR I spoke with wouldn't give any. She said I had to wait for the letter.

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 19:51:50 GMT

Garden for six months then apply again.

Re: Discover IT

Anonymous — Tue, 15 Dec 2015 19:56:23 GMT

I was thinking more like a year, but 6 months works too, lol. I guess a lot will depend on how many of my inquiries have aged off by then.

Re: Discover IT

Anonymous — Sat, 02 Apr 2016 03:44:40 GMT

Re: Discover IT

Anonymous — Sat, 02 Apr 2016 13:24:21 GMT

I would recommend gardening for 6 months as well. I applied for the Discover IT card back in July 2015 and was denied. I spend the last 6 months bringing down the balances on my two credit cards (the utilization was 90-99% - they are now at 1% utilization). I applied again for the Discover IT card in Feb 2016 and was approved for a $1.6k CL. I did not qualify for the 0% APR for 12 months promo though but I was not too bummed out about it since I plan to pay off my balances in full each month so I don't incur any interest charges.

Good luck! Keep us updated.