topic MAJOR Discover Change - NIGHTMARE ! in Credit Cards

MAJOR Discover Change - NIGHTMARE !

MrCarlCC — Fri, 28 Apr 2023 02:20:03 GMT

So, applied for Discover 1 month ago -- after sending in the ridiculous 4506-T form via email, I waited three more weeks to "verify my idenidty" via this form. I was advised not to worry about any income discepancies, as they wre just using the form for ID purposes. Finally, all checked out and I was fully approved and the card was sent out .. THENNNNN...

Recieved card today, and acitvated online. Tried to charge dinner - Denied. Called in, they say it was blocked by secuirty .. and this is where is begins. They wanted me to go to a bank and get my ID notarized OR take a photo of my ID, SSN and a selife (which thier AI denied after I did this), and is a new precaution just instituted this month according to the Security Manager. I ultimatley told them to shove their $3.5k card, as my lines are between $20-50k nearly. This was truly the most stressful, arduous application process of my old life. To approve the card with my 4506-T (after 3 weeks holding) then freeze it on arrival and demand yet more invasive and absurd "verifications" is beyond preposterous ! Yes, yes we all know credit is not a right -- but this garbage borders on harassment after awhile.

BEWARE new (and some current) Discover holders -- I was advised that just like the 4506T, this is becoming the new way to "verify" new crd holders and they will suspend charging without telling you to do so -- even after the 4506T! Onto my newly approved CU Cash back card, at $30k limit !

Wonderful evening to all !

Score Pulled: 781

AAofA: 25 years

No dergos

Util: 9% overall

Low inquiries on approval; More now

Re: MAJOR Discover Change - NIGHTMARE !

xenon3030 — Fri, 28 Apr 2023 05:17:23 GMT

It looks like it needs too much homework. I do not have such time and if I were at this situation, I would close such card.

For me, the 5% rotating categories of Discover are helpful in 1-2 quarters per year (several overlaps to CFF also). So, there is no big loss, if it gets closed.

Re: MAJOR Discover Change - NIGHTMARE !

DONZI — Fri, 28 Apr 2023 06:03:50 GMT

@MrCarlCC wrote:

BEWARE new (and some current) Discover holders -- I was advised that just like the 4506T, this is becoming the new way to "verify" new crd holders and they will suspend charging without telling you to do so -- even after the 4506T!

Discover advised this?

I'd imagine increasing 4506 requests might have more to do with sporadic income sources and jobs that become more common since covid and other world issues. Outside of that possibility, seems pretty much normal from my view, profile Vs credit limit sizing.

Additionally, it could be issues by 4506T, 4506C and the IRS -- it would seem the 4506T should have faded away a few years ago.. Maybe the IRS has finally decided to stop accepting them and only accept the 4506C.

Re: MAJOR Discover Change - NIGHTMARE !

SUPERSQUID — Fri, 28 Apr 2023 07:58:55 GMT

@MrCarlCC wrote:
So, applied for Discover 1 month ago -- after sending in the ridiculous 4506-T form via email, I waited three more weeks to "verify my idenidty" via this form. I was advised not to worry about any income discepancies, as they wre just using the form for ID purposes. Finally, all checked out and I was fully approved and the card was sent out .. THENNNNN...

Recieved card today, and acitvated online. Tried to charge dinner - Denied. Called in, they say it was blocked by secuirty .. and this is where is begins. They wanted me to go to a bank and get my ID notarized OR take a photo of my ID, SSN and a selife (which thier AI denied after I did this), and is a new precaution just instituted this month according to the Security Manager. I ultimatley told them to shove their $3.5k card, as my lines are between $20-50k nearly. This was truly the most stressful, arduous application process of my old life. To approve the card with my 4506-T (after 3 weeks holding) then freeze it on arrival and demand yet more invasive and absurd "verifications" is beyond preposterous ! Yes, yes we all know credit is not a right -- but this garbage borders on harassment after awhile.

BEWARE new (and some current) Discover holders -- I was advised that just like the 4506T, this is becoming the new way to "verify" new crd holders and they will suspend charging without telling you to do so -- even after the 4506T! Onto my newly approved CU Cash back card, at $30k limit !

Wonderful evening to all !

Score Pulled: 781
AAofA: 25 years
No dergos
Util: 9% overall
Low inquiries on approval; More now

That totally stinks, what a nightmare.

I have 2 Discover cards and never so much as endured a speedbump for approvals or cli's, guess I should consider myself lucky after reading stories like this.

Re: MAJOR Discover Change - NIGHTMARE !

FireMedic1 — Fri, 28 Apr 2023 08:49:19 GMT

Sorry for the denial at dinner. I had to all that with the PayPal card with Sync a couple yrs ago. No biggie. But Beware? Maybe a heads up. You cant compare new approvals with established cards. Times are changing.

Re: MAJOR Discover Change - NIGHTMARE !

MarkintheHV — Fri, 28 Apr 2023 09:33:21 GMT

I am not surprised, but a denial to me is embarassing as to me it makes me look like I dont pay my bills. Discover hates me (but loves my wife). They gave me a measely 3k credit line, then refused to grant CLI, so I closed their card and never went back. They pretty much leave my wife alone other than no CLI on her 10k card.

Amex and Navy Federal love me, so thats where my business goes.

Re: MAJOR Discover Change - NIGHTMARE !

coldfusion — Fri, 28 Apr 2023 12:28:10 GMT

@DONZI wrote:
it would seem the 4506T should have faded away a few years ago.. Maybe the IRS has finally decided to stop accepting them and only accept the 4506C.

The 4506-T/4506-T EZ is still the correct form if you're requesting your own tax information. The IRS was supposed to only accept the 4506-C for 3rd party requests on 5/1/21 and only allow those 3rd parties who successfully applied to be participants to submit requests.

Re: MAJOR Discover Change - NIGHTMARE !

MrFiah — Fri, 28 Apr 2023 13:11:59 GMT

OP, you have a previous post talking about how one of your reports are frozen due to unauthorized and disputed accounts. Another report has a lot of inquiries that led you to being denied a couple times. If Discover is also seeing this, maybe they are just doing there due diligence to avoid additional unauthorized accounts.

Re: MAJOR Discover Change - NIGHTMARE !

SouthJamaica — Fri, 28 Apr 2023 13:18:27 GMT

@MrCarlCC wrote:
So, applied for Discover 1 month ago -- after sending in the ridiculous 4506-T form via email, I waited three more weeks to "verify my idenidty" via this form. I was advised not to worry about any income discepancies, as they wre just using the form for ID purposes. Finally, all checked out and I was fully approved and the card was sent out .. THENNNNN...

Recieved card today, and acitvated online. Tried to charge dinner - Denied. Called in, they say it was blocked by secuirty .. and this is where is begins. They wanted me to go to a bank and get my ID notarized OR take a photo of my ID, SSN and a selife (which thier AI denied after I did this), and is a new precaution just instituted this month according to the Security Manager. I ultimatley told them to shove their $3.5k card, as my lines are between $20-50k nearly. This was truly the most stressful, arduous application process of my old life. To approve the card with my 4506-T (after 3 weeks holding) then freeze it on arrival and demand yet more invasive and absurd "verifications" is beyond preposterous ! Yes, yes we all know credit is not a right -- but this garbage borders on harassment after awhile.

BEWARE new (and some current) Discover holders -- I was advised that just like the 4506T, this is becoming the new way to "verify" new crd holders and they will suspend charging without telling you to do so -- even after the 4506T! Onto my newly approved CU Cash back card, at $30k limit !

Wonderful evening to all !

Score Pulled: 781
AAofA: 25 years
No dergos
Util: 9% overall
Low inquiries on approval; More now

Welcome to the forum.

And thank you for telling us your tale of woe.

Re: MAJOR Discover Change - NIGHTMARE !

MT64 — Fri, 28 Apr 2023 17:05:31 GMT

@MrFiah wrote:
OP, you have a previous post talking about how one of your reports are frozen due to unauthorized and disputed accounts. Another report has a lot of inquiries that led you to being denied a couple times. If Discover is also seeing this, maybe they are just doing there due diligence to avoid additional unauthorized accounts.

That would certainly seem like a fair and justifiable reason on Discover to do their due diligience.

Re: MAJOR Discover Change - NIGHTMARE !

Santaclausthereal — Sat, 29 Apr 2023 21:24:59 GMT

this happened to me i got the form notarized and sent back havent had any issues since they are just trying to make sure no one is using card applied for in your name and they are having to foot bill if its identity fraud..

Re: MAJOR Discover Change - NIGHTMARE !

MountainHiker — Mon, 01 May 2023 00:18:00 GMT

Sorry how Discover treated you. Sadly ive heard of other people who went through the exact same thing. It appears if a Discover card has a spending limit above $1500, that triggers weird protocols in that lenders security systems. I'm in the rebuilding process of turning my credit status around but Discover will not be included in that journey.