topic Re: DISCOVER in Credit Cards

DISCOVER

Anonymous — Mon, 07 Apr 2008 07:50:58 GMT

I applied for discover card and after literally checking my credit report for 10

minutes online, I got a message that congratulations, you are not

approved for discover card. I thought something happened maybe my

computer is drunk or something or maybe discover people are playing

with me and then I read after that i am approved for direct rewards

platinum card.

Re: DISCOVER

haulingthescoreup — Mon, 07 Apr 2008 11:39:42 GMT

@Anonymous wrote:

I applied for discover card and after literally checking my credit report for 10

minutes online, I got a message that congratulations, you are not

approved for discover card. I thought something happened maybe my

computer is drunk or something or maybe discover people are playing

with me and then I read after that i am approved for direct rewards

platinum card.

Any idea of the CL? The HSBC usually has pretty awful CL's, but some have posted recently that they got good ones.

Can't believe you app'd Discover, one of the most conservative CCC's around!

Re: DISCOVER

Red1Blue — Mon, 07 Apr 2008 11:49:03 GMT

I agree with your hauling. With all the inqs and new accounts on my CR, it is a waste of time applyinig for Discover. May be I'll apply after 12-18 months from now and see what happens.

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 12:46:49 GMT

Your Discover More Card is on its way

Dear Timothy,

We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Re: DISCOVER

NICKI183 — Mon, 07 Apr 2008 13:26:22 GMT

@Anonymous wrote:
Your Discover More Card is on its way
Dear Timothy, We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Wtg Timothy- was this one of your goals for the 2008 year? Hope your card makes you happy.

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 13:36:55 GMT

Timothy wrote:

Your Discover More Card is on its way

Dear Timothy,

We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Nice! Congrats!

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 13:51:12 GMT

Thanks- This is it , my portfolio is complete-

Like I said - It's not the INQ's that they will deny-

My "new accounts" start going over a year in May and INQ's start aging in June.

cheddar wrote:

Timothy wrote:

Your Discover More Card is on its way

Dear Timothy,

We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Nice! Congrats!

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 14:24:54 GMT

Timothy wrote:
Your Discover More Card is on its way

Dear Timothy,

We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Wow timothy, congrats! Funny seeing you app, cause you have been so good lately!

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 14:29:28 GMT

Congrats to both!!

Re: DISCOVER

Anonymous — Wed, 09 Apr 2008 02:17:16 GMT

I have NOT been good? Here is my public display of how BAD I have been-

The Blue Cash was Jan 08- but because of my Member Date- shows open Jan 07.

TU: HD, Barclays,

EQ: Kay, HSBC

EX: Everything else.

Discover	Apr-08	6.8K
Home Depot	Mar-08	5K
WAMU	Feb-08	5K
AZFCU	Dec-07	10K
Amex Green	Dec-07	None
Kay Jewelers	Nov-07	5K
HELOC AZFcu	Oct-07	50K
Barclays Bank	Sep-07	10K
Barclays Bank	Sep-07	Closed
Barclays Bank	Sep-07	Closed
CCCU	Jul-07	10K
Amex Delta	Jun-07	5K
SL SLFC	Jun-07
SL SLFC	Jun-07
Hsbc Bank	May-07	Closed
Amex Blue Cash	Jan-07	3K

scramblingin2007 wrote:

Timothy wrote:

Your Discover More Card is on its way

Dear Timothy,

We're excited to have you as our newest cardmember. The Cashback Bonus Program from Discover Card gives you more ways to earn more cash–than anyone else.

Wow timothy, congrats! Funny seeing you app, cause you have been so good lately!

Message Edited by Timothy on 04-08-2008 07:17 PM

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 15:01:20 GMT

Yes- I feel great about jacking Ash's (AKA appman) thread to show I am only a little better.

Then again my EX is still over 700

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 15:41:09 GMT

Congrats Timothy! Welcome to the "More" club!

Wow! You've been a busy boy the past 14 months or so. And I thought I was bad about that. lolol. I have some catching up to do! I only have 11 since last August.

JUST KIDDING!!

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 15:47:36 GMT

Thanks Syl-

It is going to be a great year seeing these acounts hit their 1 years, the INQ's dropping off and hitting my 2 years clean.

Still wish they would give me my APR and CL-

Sylviatob wrote:
Congrats Timothy! Welcome to the "More" club!

Wow! You've been a busy boy the past 14 months or so. And I thought I was bad about that. lolol. I have some catching up to do! I only have 11 since last August.

JUST KIDDING!!

Re: DISCOVER

Anonymous — Mon, 07 Apr 2008 16:55:22 GMT

To tell you the truth I did not even have 1 percent chance that I will be

approved for some kind of Discover card. I had invitation so

I was WTH. You can say it my gut feeling or stupidity but I am

glad I applied. I have no idea about the CL yet. It did not

tell me with the approval.

Thanks

@haulingthescoreup wrote:
@Anonymous wrote:
I applied for discover card and after literally checking my credit report for 10
minutes online, I got a message that congratulations, you are not
approved for discover card. I thought something happened maybe my
computer is drunk or something or maybe discover people are playing
with me and then I read after that i am approved for direct rewards
platinum card.

Any idea of the CL? The HSBC usually has pretty awful CL's, but some have posted recently that they got good ones.

Can't believe you app'd Discover, one of the most conservative CCC's around!

Re: DISCOVER

MidnightVoice — Mon, 07 Apr 2008 17:00:02 GMT

ashabbir1 wrote:

I got a message that congratulations, you are not approved for discover card.

This is cause for celebration? Another rejection?

Re: DISCOVER

Anonymous — Wed, 09 Apr 2008 01:06:19 GMT

Does anybody here has number for direct rewards platinum card?

I will call them and ask about my CL.

Thanks

Re: DISCOVER

Anonymous — Wed, 09 Apr 2008 02:01:39 GMT

More CL- $6,800

I am MORE than happy-

Re: DISCOVER

Anonymous — Wed, 09 Apr 2008 02:26:54 GMT

wow Tim if I get that kind of CL, I will buy you dinner.

Timothy wrote:
More CL- $6,800

I am MORE than happy-

Re: DISCOVER

Anonymous — Wed, 09 Apr 2008 03:28:53 GMT

WOW.... Congrats to both of you! I want one.

I had a personal Discover Card w/ $7100 CL, but a few yrs ago i did debt consolidation (horrible mistake!!!) and per consolidators instructions, closed my discover card with agreement to pay it off in installments. I only have $300 left to pay, and today I checked my account online and found a "special offer" for the Discover Business Card (0% purchases & 3.9% xfers until 2011). I want to apply but scared to take the hit.

FICO is about 700 across the board. No recent baddies, but a judgement and a old tax lien on the books, both paid off over two years ago.

I have small sole proprietor business but soon to be LLC. Does that make a difference? What kind of revenue or income & scores do they require? Should I bite? Is AmEx Blue easier? How do they know if your balance transfers are for business purposes or not?

Thanks, DS

Message Edited by dollardan on 04-08-2008 08:28 PM

Re: DISCOVER

Anonymous — Fri, 11 Apr 2008 08:15:25 GMT

Newbie here, so forgive me if I do not have the lingo and abbreviations down yet. I applied for the Discover Business card in late February, never got a reply and then called last week to find out what happened? They had purged the application, but I had the ref. number, so they told me to call back this week and they would pull it from the archives. They told me that they declined me b/c of my inquiries. She said I had 12 within the past 6 months. I am also a real estate investor and I told her that these inquiries were for applying for mortgages, and she told me to call back by the end of this week, she would have her manager give the final word. I have a 689 mid-score.

In this forum's infinite wisdom, what do you think the answer will be?