topic Re: How long is Discovers Black Out? in Credit Cards

How long is Discovers Black Out?

Creditaddict — Wed, 01 Jan 2020 01:58:09 GMT

Last year DH and I put our joint Discover card into a reduced interest payment arrangement... I recently paid the balance off years ahead of schedule (only like $3k though)

I just went and did pre-qual and it instantly pops back:

"current or previous Discover Card relationship"

Soft Pull on EX 697

Re: How long is Discovers Black Out?

JNA1 — Wed, 01 Jan 2020 02:19:06 GMT

I got that same message for the reason for a CLI denial last week and I’ve never had a previous card with them, and I’ve never had anything but perfect payment history with my current card, so who knows?

Re: How long is Discovers Black Out?

CreditInspired — Wed, 01 Jan 2020 08:04:40 GMT

@JNA1 wrote:
I got that same message for the reason for a CLI denial last week and I’ve never had a previous card with them, and I’ve never had anything but perfect payment history with my current card, so who knows?

This is why it's extremely important to get your free annual credit reports from all 3 CBs and scour with a fine-tooth comb to make sure that all your info and credit history/profile are accurate.
www.annualcreditreport.com

If it were me, I would not shrug this off

GL2U

Re: How long is Discovers Black Out?

CreditInspired — Wed, 01 Jan 2020 08:05:49 GMT

@Creditaddict wrote:
Last year DH and I put our joint Discover card into a reduced interest payment arrangement... I recently paid the balance off years ahead of schedule (only like $3k though)
I just went and did pre-qual and it instantly pops back:

"current or previous Discover Card relationship"

Soft Pull on EX 697

I would call and ask.

Re: How long is Discovers Black Out?

JNA1 — Wed, 01 Jan 2020 17:04:41 GMT

@creditinspired
I have done that. I don’t see anything that would trigger this. The language “previous/current” is confusing to me. It seems they would call out one or the other, because even if I had a previous account with them, you wouldn’t really know which one was the issue (unless of course you really did know).