topic Re: Discover card in Credit Cards

Discover card

Anonymous — Mon, 05 Nov 2007 15:14:56 GMT

Any clue how long it takes to find out if your approved?

They hit all 3 credit reports after the message we received your application and will let you know in 30 days...To me seems like a long time...

Any one know if you can call and ask?

Re: Discover card

Anonymous — Mon, 05 Nov 2007 20:00:38 GMT

Got my fingers crossedfor you. LEt us know. That is one I want.

Re: Discover card

Anonymous — Mon, 05 Nov 2007 21:35:41 GMT

Some companies are terrible at getting back to you.

Discover is one of the only major CCs I've never attempted to get.

But that capital one is evil...they denied me TWICE in the past year before finally approving me last month and they show up on my soft inquiries every single month over the past year and a half, they are nuts about soliciting me.

Re: Discover card

Anonymous — Sat, 10 Nov 2007 03:24:25 GMT

Have you called to get info?

Re: Discover card

dangphuocloc72 — Sat, 10 Nov 2007 14:32:57 GMT

it say 30 day that mean you was Denied . last 2 month they turn me down . with score 675

Re: Discover card

kclb — Sat, 10 Nov 2007 22:11:16 GMT

@dangphuocloc72 wrote:
it say 30 day that mean you was Denied . last 2 month they turn me down . with score 675

I had a Discover Card awhile back. I don't exactly remember the date though. I closed it because I hardly ever used it and a lot of places don't like Discover. hahah. Oh well.

Re: Discover card

Anonymous — Sun, 11 Nov 2007 02:34:09 GMT

@kclb wrote:

@dangphuocloc72 wrote:
it say 30 day that mean you was Denied . last 2 month they turn me down . with score 675

I had a Discover Card awhile back. I don't exactly remember the date though. I closed it because I hardly ever used it and a lot of places don't like Discover. hahah. Oh well.

Discover is taken in less places than american express...and THAT'S saying something.

Re: Discover card

rudy — Sun, 11 Nov 2007 13:04:53 GMT

discover is slow in approving new credit. you will ook up one day and the card or letter will be in the mail. it seems as if they are looking to see if you are credit shopping

Re: Discover card

Anonymous — Sun, 11 Nov 2007 13:13:14 GMT

I was declined. Reason past paid judgement.

Re: Discover card

Anonymous — Wed, 14 Nov 2007 19:35:56 GMT

Did you call for recon? I did and they approved me. Denied for my BK.

Re: Discover card

gNaRKiLL — Wed, 14 Nov 2007 19:48:16 GMT

I dont understand why people want discover. Its not taken very many places and they are very exclusive it seems. To me it seems like people try so hard to get a card they cant use anywhere just to say they've got a discover card.

Re: Discover card

Anonymous — Wed, 14 Nov 2007 19:54:17 GMT

gNaRKiLL wrote:

I dont understand why people want discover. Its not taken very many places and they are very exclusive it seems. To me it seems like people try so hard to get a card they cant use anywhere just to say they've got a discover card.

Yep thats exactly why I got it!!!! That and te 3.9 BT fee. Oh plus the fact that post BK, it is a litmus test that I am happy to have finally passed. Same thing for Amex.

Re: Discover card

phumanr — Fri, 16 Nov 2007 18:26:56 GMT

Brammy,

I did not realize that Discover will approve post BK....I thought Discover and Amex were both "no go"s after a BK. I have the most credit that I will ever use....

But I want the status of Discover and Amex just to say I have them. Is that sad or what?

I am an cc addict!

Patrick

Re: Discover card

Anonymous — Sat, 17 Nov 2007 02:39:29 GMT

phumanr wrote:

Brammy,

I did not realize that Discover will approve post BK....I thought Discover and Amex were both "no go"s after a BK. I have the most credit that I will ever use....

But I want the status of Discover and Amex just to say I have them. Is that sad or what?

I am an cc addict!

Patrick

Has to be 7 years old, I applied almost 7 years to the day.

Re: Discover card

Anonymous — Fri, 09 May 2008 05:38:49 GMT

The strangest thing happened. I was denied instantly on line by Discover about a week ago. Well, tonight I received an email from Discover that says:

Dear :

Thank you for your recent Discover(R) Card application. We are
currently reviewing your request and need some additional information
to continue processing. Please call us toll free at 866-421-0122,
Mon-Fri 8am-Midnight ET, Sat-Sun 9am-9pm so we can get this necessary
information from you.

We appreciate your interest in Discover Card and look forward
to hearing from you. If you have already been in contact with our
office, please disregard this email.

Your reference number is

Sincerely,

New Accounts Department
DFS Services LLC

Guys, WHAT does this mean? Do you think they're reconsidering? Do I have a chance with my scores??? The Discover card that I IIB back in '02 has since fallen off of my report, but I am currently in a Chapter 13. How could this be?! Feedback, please!!!!!!

I currently have the following cards with perfect payments:

New Millenum CL 300 secured 3/07

Orchard CL 800 unsecured 3/07

Orchard CL 500 unsecured waiting to receive in the mail

Salute CL 700 unsecured 3/07

Crown Jewelers CL 1,500 haven't used yet

Credit One CL 350 waiting to receive in the mail

Hooter's CL 600 received today

TU 612

EX 602

EQ 595

Re: Discover card

Anonymous — Fri, 09 May 2008 05:52:25 GMT

30ross30 I would call and see what's up. Sounds like you may get approved. I love my discover card and I don't care that some places don't accept it. I have also found that most of my favorite store do accept it so the card gets plenty of mileage.

Re: Discover card

Anonymous — Fri, 09 May 2008 06:06:21 GMT

Thanks so much for the encouragement! I enjoyed my Discover when I had one several years ago, too. I'm thinking that they probably will offer me the HSBC Discover, but we'll see and I'll post tomorrow and let you know. Thanks!!!!

Re: Discover card

Anonymous — Fri, 09 May 2008 12:27:38 GMT

Brammy, I have a Discover More card and was just approved in April 08 with a discharged chapter 7 BK from March of 2007. They will approve much sooner than 7 years post BK.

Re: Discover card

Anonymous — Fri, 09 May 2008 12:34:15 GMT

brammy--

what did you say when you called for a recon? and if everyone is saying you will be denied if you get that 30 day msg, then why don't they just go ahead and say you were not approved???? doesnt make a whole lot of sense

Re: Discover card

Anonymous — Fri, 09 May 2008 14:04:42 GMT

I got my Discover i april 06 applied on line with pre-approved offer and was denied. About a week later a rep called and said they were reviewing app and needed more info. I was just separated and lots of my info had changed recently. Took about 10 minutes to explain the situation to the lady and was approved for 2k.

I have had a great relationship with them and have gotten 3 CLI 2.5k, 3k 3.6k without asking. They also call occasionally and ask why I don't use the card more. APR 10.9% MY CU platinum Visa is only 7.9% so they offer me great BT rates (well, not 0%, but 2.9 ).

Also started with Basic card and got upgraded to Platinum without asking as well. They have great customer service whenever I've called and all call centers seem to be in US .

Worth a shot, to call them and see if they will manually review your app.