topic Re: Discover IT... Strange Incident and Question in Credit Cards

Discover IT... Strange Incident and Question

Anonymous — Wed, 30 Jan 2013 16:41:43 GMT

Applied for the DiscoverIT online. After a minute of submitting my data it said they needed more information and came to another page where it asked me what kind of job do I do, how many years at my job and whether I rent or own my house. Then I hit submit again and I got the 5 to 7 day notice.

Now the weird part. At the bottom of the page it says, "Please register your account with us." So for the hell of it, I typed in my email address, created a password, etc. So the weird part is, why would they ask me to register my account with them but yet I got the 5 to 7 day review notice?

It also said stuff like, "Enjoy the Benefits of your New Card with Travlers Insurance, Auto Rental Insurance, Flight Accident Insurance" as if I was already approved, yet I'm not.

Just bizarre to me.

Thanks for listening to me.

Re: Discover IT... Strange Incident and Question

SwiftTone — Wed, 30 Jan 2013 16:38:42 GMT

This is normal for Discover. From what I remember reading, this usually means approval.

Re: Discover IT... Strange Incident and Question

Anonymous — Wed, 30 Jan 2013 16:39:53 GMT

I had pretty much the same thing happen without the extra information.

App submitted and then the 5-7 day message but it asked me to register on their website.

Once I registered it became obvious that my application had been approved.

I don't recall what it was that I saw that made me confident I was approved, but it was obvious once I logged in.

Re: Discover IT... Strange Incident and Question

shakalaka — Wed, 30 Jan 2013 16:40:55 GMT

@SwiftTone wrote:
This is normal for Discover. From what I remember reading, this usually means approval.

+1 Call the backdoor number here in the sticky and "ask" them, if they need any more information. Most likely they will approve you during the call and give you the CL.

Re: Discover IT... Strange Incident and Question

fuzzybean — Wed, 30 Jan 2013 23:49:02 GMT

I applied for that this morning, too. I also got the same exactl response. I created the account. Now, I'm just waiting to see what happens.

Good luck!

Re: Discover IT... Strange Incident and Question

pdog661 — Wed, 30 Jan 2013 21:39:57 GMT

Same response for me...... I was approved.

Re: Discover IT... Strange Incident and Question

fuzzybean — Wed, 30 Jan 2013 23:33:03 GMT

When did you find out you were approved, pdog?

Re: Discover IT... Strange Incident and Question

ilovelisa — Thu, 31 Jan 2013 00:20:14 GMT

Just got this exact same response, called in as the website recommended, they connected me to a senior analyst, answered some questions. I was approved for $1000!!!!!!!!!!!!!!!!!. So happy to be in with Discover

Re: Discover IT... Strange Incident and Question

Anonymous — Thu, 31 Jan 2013 00:46:33 GMT

Isnt this your x-thousandth app this month!

Re: Discover IT... Strange Incident and Question

ilovelisa — Thu, 31 Jan 2013 00:51:26 GMT

@Anonymous wrote:
Isnt this your x-thousandth app this month!

Well probably 3rd this month, I'm trying to slow down, but the credit analyst said he only saw 23 inquiries on my report for the last year.

Re: Discover IT... Strange Incident and Question

nicholasyud — Thu, 31 Jan 2013 00:51:38 GMT

It's happen the samething to me back there when i apply for my Discover More.

They pull both TU and EQ for approval $1700.Call the new account department and ask for some personal info then approve for different term.

Re: Discover IT... Strange Incident and Question

fuzzybean — Thu, 31 Jan 2013 01:10:18 GMT

Will call them tomorrow, but I'm curious...what happens if you don't call? After all, it's only a suggestion.

Re: Discover IT... Strange Incident and Question

Anonymous — Thu, 31 Jan 2013 01:20:18 GMT

I'm curious too fuzzy bean. Don't really feel like talking about recent inquiries and why I recently opened up 3 new accts in the past 60 days. I wonder if I don't call if I'll just be denied? Because I have a feeling if they do a manual review on me and see 10 inquiries I'm going to be denied anyway. So is it best not to call and hope when they finally do review my app it's some poor dude in India who doesn't care and approves me anyway?

Re: Discover IT... Strange Incident and Question

ilovelisa — Thu, 31 Jan 2013 01:22:49 GMT

@fuzzybean wrote:
Will call them tomorrow, but I'm curious...what happens if you don't call? After all, it's only a suggestion.

call now, when the website told me to call for an instant decision, it said new accounts in open until midnight.

Re: Discover IT... Strange Incident and Question

Anonymous — Thu, 31 Jan 2013 01:49:08 GMT

Just called in. Was approved for a 2500 limit.

I was nervous to call in because I app'd last week for 4 cards. I thought for sure they'd deny for inquiries. It ended up hitting Equifax which has no inquiries in the past 5 months or so.

The first rep said, "Somebody is working on your app, let me transfer to them." I got through to a new acct specialist who said she was going to review my application and ask me some questions. Then she said, "I really don't see anything that would prevent you from getting the card today" and she approved me for 2500 limit.

WOOHOO... okay I am for sure in the garden now. This week I got:

Chevron Texaco: 1900

Walmart Discover: 1100

Chase Freedom: 3000

Lowes: 2000

and adding to that

Discover: 2500

I am officially seriously done for the next year or more. Thanks all for your information.

Re: Discover IT... Strange Incident and Question

09Lexie — Thu, 31 Jan 2013 01:55:54 GMT

@Anonymous wrote:
Just called in. Was approved for a 2500 limit.

I was nervous to call in because I app'd last week for 4 cards. I thought for sure they'd deny for inquiries. It ended up hitting Equifax which has no inquiries in the past 5 months or so.

The first rep said, "Somebody is working on your app, let me transfer to them." I got through to a new acct specialist who said she was going to review my application and ask me some questions. Then she said, "I really don't see anything that would prevent you from getting the card today" and she approved me for 2500 limit.

WOOHOO... okay I am for sure in the garden now. This week I got:

Chevron Texaco: 1900
Walmart Discover: 1100
Chase Freedom: 3000
Lowes: 2000

and adding to that

Discover: 2500

I am officially seriously done for the next year or more. Thanks all for your information.

Congrats! You will love your new card. Now, come on over to the garden.

Re: Discover IT... Strange Incident and Question

shakalaka — Thu, 31 Jan 2013 02:01:02 GMT

Yes it was EQ for me also. And I had to call in also for some verification.

Congrats ... and now garden. Let those seddlings grow.

Re: Discover IT... Strange Incident and Question

coldnmn — Thu, 31 Jan 2013 02:01:26 GMT

Same thing happened to me, if you don't call they will call you. At least that's what they did to ask questions about my report before final approval. The better explaination the better your limit I expect. If you call you speed up the process.

Re: Discover IT... Strange Incident and Question

fuzzybean — Thu, 31 Jan 2013 02:05:09 GMT

What kind of questions did they ask?

Re: Discover IT... Strange Incident and Question

Anonymous — Thu, 31 Jan 2013 02:15:52 GMT

For me, the only question that she asked was "Why do you want the Discover card" and I said "Because a friend has it and she really loves the card so I thought it would be nice to have as a primary card."

Kind of a silly answer but it was kind of true. Thinking back I should have told her I wanted a new kitchen so she could have given me 5000? hehe. I'm honestly happy to get anything. With my recent app spree I thought I was going to get a fat reject.

I was prepared to answer questions about inquiries and new lines of credit as I'm sooooo used to with recons. But nope, didn't happen.