topic Re: discover application status in Credit Cards

discover application status

jdxprs1 — Thu, 09 Jun 2011 19:45:40 GMT

their site says they will contact me within 30 days with a descision on my credit card. is there a way to speed things up?

Re: discover application status

RockinRay — Thu, 09 Jun 2011 19:50:37 GMT

Yes, call the backdoor number. You can find that in a sticky in this forum.

Ask them if there is "any more information" they might need or if they can go ahead and approve you now.

Worth the call. I had to do this and I ended up approved.

Good luck!

Ray

Re: discover application status

jdxprs1 — Thu, 09 Jun 2011 20:08:59 GMT

called. declined. too many inquiries.

Re: discover application status

Anonymous — Thu, 09 Jun 2011 20:16:14 GMT

Is that your current score in your sig? Too late now, but I wouldn't waste an inquiry with a company like Discover with a score that low. Those types of cards aren't usually available under 650. Banks like that also want few to no inquiries. With a score like that, subprime and store card are what you'll need (an actually have a possibility of getting approved for) to build credit. Get around 620 and you can probably get a credit union card.

Re: discover application status

jdxprs1 — Thu, 09 Jun 2011 20:18:49 GMT

when i just refinanced my house and bought a new vehicle, i was told my scores ranged from 623 to 670.

Re: discover application status

RockinRay — Thu, 09 Jun 2011 22:46:34 GMT

Try again in 6 months or so.

Ray

Re: discover application status

Anonymous — Thu, 09 Jun 2011 22:54:11 GMT

Scores are just right there. It was probably the inquiries from the new loans.

Re: discover application status

jdxprs1 — Fri, 10 Jun 2011 05:09:07 GMT

yeah. the guy at discover said i was declined due to the number of inquiries.

Re: discover application status

Anonymous — Fri, 10 Jun 2011 05:20:59 GMT

I would try and recon... I got declined for too many inquiries back in december and got it overturned.

It's definately worth a try, especially if you can explain the inquiries.

Re: discover application status

Anonymous — Fri, 10 Jun 2011 06:55:01 GMT

Discover is extremely difficult to get a recon with based on my experience.

I was denied by Discover 2x before a miracle happened ( they called me back and considered my application).

Best of luck, if anything I would wait 6-12 months.

Re: discover application status

Anonymous — Fri, 10 Jun 2011 14:05:46 GMT

@jdxprs1 wrote:
when i just refinanced my house and bought a new vehicle, i was told my scores ranged from 623 to 670.

There's a good chance that those scores were Auto Enhanced and Mortgage Enhanced versions of FICO scores. Discover wouldn't be using those for a credit card app.