topic Approved Discover More Denied Citi in Credit Cards

Approved Discover More Denied Citi

hersheykisses — Thu, 01 Dec 2011 13:14:59 GMT

I was approved for Discover More for 1k HOWEVER, i was upset about the interest rate of 22.9% huh? I thought Discover was a "prime" card??? My Orchard Bank and Capital One cards which are subprime cards have 16.45%.

They pulled EQ which was 698 however Citi visa was denied pulling EXP, uh i called to ask they reconsider by pulling EQ but they said nope.

Re: Approved Discover More Denied Citi

Anonymous — Thu, 01 Dec 2011 13:49:07 GMT

It's all a crapshoot

Re: Approved Discover More Denied Citi

CS800 — Thu, 01 Dec 2011 14:00:37 GMT

@kerbear1969 wrote:
I was approved for Discover More for 1k HOWEVER, i was upset about the interest rate of 22.9% huh? I thought Discover was a "prime" card??? My Orchard Bank and Capital One cards which are subprime cards have 16.45%.
They pulled EQ which was 698 however Citi visa was denied pulling EXP, uh i called to ask they reconsider by pulling EQ but they said nope.

First of all congrats on the Discover

The APR however is really high for a prime card. Even my Cap One rebuilder is 17%. When I got my Discover More my APR I was told was 16%. I did ask the agent why so high. His answer was 'well that's what its set at'. Mind you my credit is far from stellar so I am assuming that because of my credit, I was given this APR.

I PIF my discover so the APR doesnt bother me for the moment. I would say, just use it for 6 months and call them after your 6th statement to se if they can lower it.

Re: Approved Discover More Denied Citi

Anonymous — Thu, 01 Dec 2011 15:20:52 GMT

@Anonymous wrote:
It's all a crapshoot

Yes it is. I got approved for Citi (after a recon) but denied for Discover More.

Re: Approved Discover More Denied Citi

Anonymous — Thu, 01 Dec 2011 15:21:49 GMT

@kerbear1969 wrote:
I was approved for Discover More for 1k HOWEVER, i was upset about the interest rate of 22.9% huh? I thought Discover was a "prime" card??? My Orchard Bank and Capital One cards which are subprime cards have 16.45%.
They pulled EQ which was 698 however Citi visa was denied pulling EXP, uh i called to ask they reconsider by pulling EQ but they said nope.

Which state are you in? In Ohio both pulled EQ for me.