topic Re: Discover iT recon, update: denial reasons in Credit Cards

Discover iT recon, found it a bit funny

WallyxD — Fri, 26 Apr 2013 14:29:12 GMT

So I called Discover again, for like the 5th time. Someone who sounded in a great mood answered the phone, I asked him if I could get my application manually reviewed and he said to give him a few minutes. I let him know that the phone I was on was going to die and for him to call the number I listed on my application. While I'm waiting, the phone did die, he called my cell phone, and I lost service while talking to him.. -_-

So I called again and spoke to a lady who sounded nothing like the guy I just spoke to, and I asked for my application to be manually reviewed, and it took her a while to understand what I was saying. Then she goes on and says, "I'm sorry, but once you receive a decision there's no way for us to overturn the computer's decision."..

Tried rushing her off the phone cause I couldn't believe she said that, but she continued on talking and whatnot.

My question is, if she works in the RECON department, how can she say there's no way for her to overturn the computer's decision? I'm honestly not even mad, but rather questionable about her, in general, which made me grin a bit while talking to her LOL.

Re: Discover iT recon, found it a bit funny

jsucool76 — Fri, 26 Apr 2013 14:33:16 GMT

Because shes lazy and doesnt want to do it.

Re: Discover iT recon, found it a bit funny

LS2982 — Fri, 26 Apr 2013 15:49:06 GMT

Id be calling back, dont give up!!! Good luck!!

Re: Discover iT recon, found it a bit funny

Creditaddict — Fri, 26 Apr 2013 16:05:36 GMT

@WallyxD wrote:
So I called Discover again, for like the 5th time. Someone who sounded in a great mood answered the phone, I asked him if I could get my application manually reviewed and he said to give him a few minutes. I let him know that the phone I was on was going to die and for him to call the number I listed on my application. While I'm waiting, the phone did die, he called my cell phone, and I lost service while talking to him.. -_-

So I called again and spoke to a lady who sounded nothing like the guy I just spoke to, and I asked for my application to be manually reviewed, and it took her a while to understand what I was saying. Then she goes on and says, "I'm sorry, but once you receive a decision there's no way for us to overturn the computer's decision."..
Tried rushing her off the phone cause I couldn't believe she said that, but she continued on talking and whatnot.

My question is, if she works in the RECON department, how can she say there's no way for her to overturn the computer's decision? I'm honestly not even mad, but rather questionable about her, in general, which made me grin a bit while talking to her LOL.

My experience was that Discover DOES NOT RECON... but we all know from here they DO!

Even the one rep that my roommate got that said THEY COULD RECON then didn't really seem to actually have any power to change anything they simply just responded a bit better to questions about why denied so it "seemed" they were reconing.

To me, it's been the one side of Discover that I have seen that is VERY CITI accept the reps are in USA.

I have recon with my app, listened on speaker with my roommates app, and with another friend and got NO WHERE.... I called at least 2 on my app, had my roommate call 2. Then on the apps that were approved, my partner called 2 about recon on CL and that was almost as bad as denial... and my other friend didn't get anything either other than what seemed to come from computer after verification.

I don't really understand it, they seem to have such hands on service and then when it comes to this, they seem to all pretty much be on some kind of SHORT somewhat scripted gray area of give as little as possible and we don't really pull up credit and recon, but again we have had tons of posts that people got denied and then couple days later got called about counter offers with shorter 0% and what not for approval, and we know HP CLI... do we just not realize how much of this stuff is still going through a computer system and VERY LITTLE gets done by the "credit" or "recon" department that we have access too? (Like GE use to be... you practically had to die to get to a rep unless it was CareCredit or Lowes it seemed, and then all of a sudden they opened up the gates to the gods and we can talk to those "people" in front of a computer that can see an actual credit report! We were told for what I feel like is years that they don't have that department and they don't manually review or recon... CLEARLY a bank can't completely be run by computer decision as close as we are to that sometimes!!

WHAT GIVES!

Which really goes back to my point of some of the things Citi told me during recon for my partners Citi Business Card and the Rep... Why we have such utter confusion about HOW credit works, how it's reported, what is law vs. banks blamming, etc. etc. I find it hard sometimes to know if a rep just doesn't get questioned or confronted about utter false info sometimes or if they ACUTALLY full heartedly believe it to be true (which would be the scary part) and some of the posts here with questions reflect that same believe or at least question of it being true.... Without being able to come to the board and ask and get the correct answer, that is someone that might go out doing that wrong thing and telling others... we have such confusion of credit and score and building, etc. already and then we get fed completely false information... it's no wonder we don't have more issues! and the gray line of "Checking your credit yourself to make sure everything is accurate" and "We have no control over what is in your credit file and we can't change the reporting of the account, we can't remove the inq, we can't do sp, we can't we can't we can't we can't.... it's not true, it's not true, it's not true! Banks should not be able to confuse someone with the fact that a credit reporting agency is simply that "reporting what is sent" Banks push off credit reports as something that Experian creates or something and that they don't do anything except pull from them.

Re: Discover iT recon, found it a bit funny

WallyxD — Fri, 26 Apr 2013 16:31:03 GMT

@LS2982 wrote:
Id be calling back, dont give up!!! Good luck!!

Maybe 6th time's the charm

Re: Discover iT recon, update: denial reasons

WallyxD — Fri, 26 Apr 2013 16:49:32 GMT

Just got my AMEX and Discover denial letters in the mail..

Discover's reasons were the same as they were when I applied a few months ago..

Number of inquiries in the last 24 months

Number of inquiries in the last 6 months

Insufficient history for bank revolving trades

Even after half of my TU INQS fall off (over the course of the summer), the unhelpful rep said she would just wait until next year to apply again.

BUT, I wonder if I wait until October to apply again, I'll have 4 inquiries within the past 6 months, but then I'd also have at least one tradeline reporting for 10 months, and the others reporting for 6 months, I wonder if they'd still consider that insufficient history? Regardless, I won't app for them until the end of the year.

AMEX's reasons...

1.) Our evaluation of the inquiries on your credit report based on the number, type, and recency (TU)

2.) Number of trades (TU)

3.)Too few credit card accounts on which, in our estimation, you have paid a majority of the balance in recent months (EX)

4.) High utilization of credit lines or insufficient utilization information (TU)

Can someone tell me what's wrong with number 3?

Re: Discover iT recon, update: denial reasons

armbenderc — Fri, 26 Apr 2013 19:19:10 GMT

@WallyxD wrote:
Just got my AMEX and Discover denial letters in the mail..

Discover's reasons were the same as they were when I applied a few months ago..

Number of inquiries in the last 24 months
Number of inquiries in the last 6 months
Insufficient history for bank revolving trades

Even after half of my TU INQS fall off (over the course of the summer), the unhelpful rep said she would just wait until next year to apply again.
BUT, I wonder if I wait until October to apply again, I'll have 4 inquiries within the past 6 months, but then I'd also have at least one tradeline reporting for 10 months, and the others reporting for 6 months, I wonder if they'd still consider that insufficient history? Regardless, I won't app for them until the end of the year.

AMEX's reasons...
1.) Our evaluation of the inquiries on your credit report based on the number, type, and recency (TU)
2.) Number of trades (TU)
3.)Too few credit card accounts on which, in our estimation, you have paid a majority of the balance in recent months (EX)
4.) High utilization of credit lines or insufficient utilization information (TU)

Can someone tell me what's wrong with number 3?

It's all garbage to me..

I got approved for BCE with 15 INQs on EX, yes 15. I have Amex Green for 5 months.

and

Behold, I also got approved for IT with 14 INQs on TU. I have no history with Discover.

Re: Discover iT recon, update: denial reasons

BrokaToe — Sat, 27 Apr 2013 01:06:22 GMT

I would just like to add something to this thread.

When I apped for Discover about a year ago, I was denied, so I started the recons. Finally after the 3rd attempt the woman on the phone explained to me that each time I had called to reconsider my application it was documented in the computer that I had called and why I was calling.

The reason I'm saying this, is not to pull anyone down, but from a logical standpoint, it would seem that the more times you call for recon, it may be making the situation worse in some cases. Of course there are such things as getting the "magical" rep on the other end of the phone that's having a great day and it may be possible to overturn a decision. But my experience did not go that way.

Of course I'm not saying it's this way with every lender and I believe whole heartedly that you should recon until the end of time as there's always a chance.

Finally I was instantly approved about a year later, so I didn't have to worry about a recon. But they do document each time you call in, just thought it may be relevant.

Re: Discover iT recon, update: denial reasons

LS2982 — Sat, 27 Apr 2013 01:09:50 GMT

@BrokaToe wrote:
I would just like to add something to this thread.

When I apped for Discover about a year ago, I was denied, so I started the recons. Finally after the 3rd attempt the woman on the phone explained to me that each time I had called to reconsider my application it was documented in the computer that I had called and why I was calling.

The reason I'm saying this, is not to pull anyone down, but from a logical standpoint, it would seem that the more times you call for recon, it may be making the situation worse in some cases. Of course there are such things as getting the "magical" rep on the other end of the phone that's having a great day and it may be possible to overturn a decision. But my experience did not go that way.

Of course I'm not saying it's this way with every lender and I believe whole heartedly that you should recon until the end of time as there's always a chance.

Finally I was instantly approved about a year later, so I didn't have to worry about a recon. But they do document each time you call in, just thought it may be relevant.

This is true, you have to be ready to get your card pulled on it for sure

Re: Discover iT recon, update: denial reasons

BrokaToe — Sat, 27 Apr 2013 01:14:43 GMT

@LS2982 wrote:
@BrokaToe wrote:
I would just like to add something to this thread.

When I apped for Discover about a year ago, I was denied, so I started the recons. Finally after the 3rd attempt the woman on the phone explained to me that each time I had called to reconsider my application it was documented in the computer that I had called and why I was calling.

The reason I'm saying this, is not to pull anyone down, but from a logical standpoint, it would seem that the more times you call for recon, it may be making the situation worse in some cases. Of course there are such things as getting the "magical" rep on the other end of the phone that's having a great day and it may be possible to overturn a decision. But my experience did not go that way.

Of course I'm not saying it's this way with every lender and I believe whole heartedly that you should recon until the end of time as there's always a chance.

Finally I was instantly approved about a year later, so I didn't have to worry about a recon. But they do document each time you call in, just thought it may be relevant.
This is true, you have to be ready to get your card pulled on it for sure

lol, yah I guess the reason I said all that was to suggest only to keep in mind they know you keep calling, so maybe a story of getting disconnected or getting a sour rep or something so it doesn't look like you're desperate. I don't know... *shrug*

Re: Discover iT recon, update: denial reasons

Anonymous — Sat, 27 Apr 2013 16:45:02 GMT

I discovered this site and annualcreditreport after talking to a discover rep.

My story, shortened, is there is discrepancy with my credit report(s) and I didn't find out about this until I got rejected from discover the first time around--maybe a few months ago?

I brought my report on transunion and discovered that my student loan, which was paid off in full, was being reported as delinquent. I called both numbers on file and spoke to multiple reps that all told me..I'm not in collections, that they didn't send it (BS, so who did?!) and they even gave me a letter stating so. I faxed it in and
my report isn't fixed (I now have transunion alerting me of any new changes)

I'm working full time, and quite honestly am tire of this, but will eventually contact them again and even seek professional help if I can't get it straightened out because while I don't plan to buy in immediate future..I do want to borrow at a low rate for mortgages

I didn't really need too many cc and I already have one that is pretty high credit, citi, that I use for my daily & big purchases.

But I decided to apply again to see if I can get one, esp given discover toting it as a more of a "human" card.

I didn't get approved right away (durr) but then I got 800 numbers calling me, which I ignored thinking it was telemarketers

But then I got an email from from discover saying they need to talk me before deciding; so I called..I wasn't 100% awake, so I was completely honest with the rep and she was able to approve me but under slightly different terms

I like how I never had to push a button or say a command to get routed and I love how they actually try and figure out whether they can or can't approve me.

Re: Discover iT recon, found it a bit funny

youngandcreditwrthy — Sat, 27 Apr 2013 17:03:51 GMT

I agree with many of the posters here.
Firstly, we all know Discover can recon.

Secondly, all of those denial reasons don't mean jackshiz.

I was analyzing an older woman's credit report at work the other day...
She had many of the coveted cards we all strive for...
A few $10-25k Amex's, 10-15k Chase/Citi, even a $20,000 BARCLAYCARD! She owed like $300 out of $100k or so in avail credit, and one of the denial reasons the computer spit back out at me was "balances too high on revolving accounts"
Her FICO was like 816. I was like REALLY computer ?!? She had like maybe 2-4 inqs over two years "too many recent inqs" was another reason.
Naturally, I was able to override the decision for approval.

Heh! Computer automated approvals are janky!

Re: Discover iT recon, found it a bit funny

WallyxD — Sat, 27 Apr 2013 17:57:42 GMT

@youngandcreditwrthy wrote:
I agree with many of the posters here.
Firstly, we all know Discover can recon.

Secondly, all of those denial reasons don't mean jackshiz.

I was analyzing an older woman's credit report at work the other day...
She had many of the coveted cards we all strive for...
A few $10-25k Amex's, 10-15k Chase/Citi, even a $20,000 BARCLAYCARD! She owed like $300 out of $100k or so in avail credit, and one of the denial reasons the computer spit back out at me was "balances too high on revolving accounts"
Her FICO was like 816. I was like REALLY computer ?!? She had like maybe 2-4 inqs over two years "too many recent inqs" was another reason.
Naturally, I was able to override the decision for approval.

Heh! Computer automated approvals are janky!

So would you suggest I call Discover one more time, and get my point across that I'd like my application to be manually reviewed? Cause I find it a bit ridiculous that people have gotten approved with no history, whereas my longest account is close to two years, though it is a student loan. And me having a card open for 6 months with great payment history and I can't get approved (I know, I know YMMV) but still. Also to remind you, it's the student version, which I've gotten offers for in the mail, twice within the past like 10 months, one of them being a week or so after I was denied the first time lol. Also, I'm going to PM you.

Re: Discover iT recon, found it a bit funny

youngandcreditwrthy — Sat, 27 Apr 2013 18:02:48 GMT

You could... I tried to recon in 2011 just once and it failed.
You could try the "annoy them with knowledge approach"
Or the "well, let me talk to a supervisor"
Or the "you better connect me with someone who CAN help me or I will eat you alive"
LOL!
Ask the reasons for denial, and take control of the conversation to explain how you are, in fact, creditworthy.
Seems to work timelessly for those well versed, educated, and credit-knowledgable.