topic Re: Help please!!!! Discover it card 5-7 day message in Credit Cards

Help please!!!! Discover it card 5-7 day message

Emeraldautomotive — Mon, 30 Jun 2014 00:54:59 GMT

I went to the pre qualify for discover and they stated my offer was a discover it, I append and received the 5-7 day message and the check status has we've got you application, it's still being processed. What should I do? I have a feeling I wil be denied. Any suggestions? Anyone know the number to under writing?

Re: Help please!!!! Discover it card 5-7 day message

B335is — Mon, 30 Jun 2014 01:03:38 GMT

@Emeraldautomotive wrote:
I went to the pre qualify for discover and they stated my offer was a discover it, I append and received the 5-7 day message and the check status has we've got you application, it's still being processed. What should I do? I have a feeling I wil be denied. Any suggestions? Anyone know the number to under writing?

Helpful Threads has all of the backdoor numbers posted. You can try calling and seeing if there's something you can answer for them. I usually wait out pending applications, but that's a personal decision.

Re: Help please!!!! Discover it card 5-7 day message

bigblue7722 — Mon, 30 Jun 2014 01:06:50 GMT

Well it's better than an instant denial. But sorry op the discover pre approval is much different than what it used to be. Anybody gets selected for the it card. Anyways good luck maybe they just want to verify something.

Re: Help please!!!! Discover it card 5-7 day message

Cookie2120987 — Mon, 30 Jun 2014 02:04:35 GMT

@bigblue7722 wrote:
Well it's better than an instant denial. But sorry op the discover pre approval is much different than what it used to be. Anybody gets selected for the it card. Anyways good luck maybe they just want to verify something.

Yup, it's a bait and switch technique... Discover has a secured version, the lady mentioned when I spoke to her that you can be selected with around a 620 as long as you have no baddies on your account. I'd call them tomorrow, as long as you took a screen cap with your reference number you can check online to see if it has been updated but a rep is your best bet.

Re: Help please!!!! Discover it card 5-7 day message

bigblue7722 — Mon, 30 Jun 2014 02:17:35 GMT

@Cookie2120987 wrote:
@bigblue7722 wrote:
Well it's better than an instant denial. But sorry op the discover pre approval is much different than what it used to be. Anybody gets selected for the it card. Anyways good luck maybe they just want to verify something.
Yup, it's a bait and switch technique... Discover has a secured version, the lady mentioned when I spoke to her that you can be selected with around a 620 as long as you have no baddies on your account. I'd call them tomorrow, as long as you took a screen cap with your reference number you can check online to see if it has been updated but a rep is your best bet.

how can you have a 620 and no baddies thats almost impossible lol

Re: Help please!!!! Discover it card 5-7 day message

j_casteel — Mon, 30 Jun 2014 02:23:07 GMT

@Cookie2120987 wrote:
@bigblue7722 wrote:
Well it's better than an instant denial. But sorry op the discover pre approval is much different than what it used to be. Anybody gets selected for the it card. Anyways good luck maybe they just want to verify something.
Yup, it's a bait and switch technique... Discover has a secured version, the lady mentioned when I spoke to her that you can be selected with around a 620 as long as you have no baddies on your account. I'd call them tomorrow, as long as you took a screen cap with your reference number you can check online to see if it has been updated but a rep is your best bet.

How is it fraudulent? It's just like any other invitation to apply whether it is by mail or from another CC company's "prequal" site.

Re: Help please!!!! Discover it card 5-7 day message

joltdude — Mon, 30 Jun 2014 02:51:53 GMT

I could see that score with a thin file/no credit user... Surprised they didn't offer it to me, esp since their internal score was so high

Re: Help please!!!! Discover it card 5-7 day message

Anonymous — Mon, 30 Jun 2014 03:07:18 GMT

I applied on friday night and got the same 5-7 days message. I tried to check the status of my application yesterday and I got a similar message that said to try again later. I tired to check the status again today, and I finally got a decision, I was approved. So maybe they just need time to review your application.

Re: Help please!!!! Discover it card 5-7 day message

Cookie2120987 — Mon, 30 Jun 2014 03:21:15 GMT

@j_casteel wrote:
@Cookie2120987 wrote:
@bigblue7722 wrote:
Well it's better than an instant denial. But sorry op the discover pre approval is much different than what it used to be. Anybody gets selected for the it card. Anyways good luck maybe they just want to verify something.
Yup, it's a bait and switch technique... Discover has a secured version, the lady mentioned when I spoke to her that you can be selected with around a 620 as long as you have no baddies on your account. I'd call them tomorrow, as long as you took a screen cap with your reference number you can check online to see if it has been updated but a rep is your best bet.
How is it fraudulent? It's just like any other invitation to apply whether it is by mail or from another CC company's "prequal" site.

I wouldn't say fraudulent, and in this case I guess bait and switch might be a tad over drastic, no matter what you enter for personal info it will show the discover it card, or if you select student the discover it student. It doesn't state PRE approved or PRE qualified, not even if you have no current offers, though no PRE approval sites are guaranteed, it's kinda bad cease people who are new to this will think "OMG, I'm PRE approved"

Re: Help please!!!! Discover it card 5-7 day message

PandiferBear — Mon, 30 Jun 2014 03:36:21 GMT

Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.

Re: Help please!!!! Discover it card 5-7 day message

Cookie2120987 — Mon, 30 Jun 2014 03:40:59 GMT

@PandiferBear wrote:
Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.

That's what I was getting at. Considering I left finger hut open my son was playing with the iPad and typing random letters and it came back a "$500 PRE approval for (bunch of letters)

that was what I was meaning!

Re: Help please!!!! Discover it card 5-7 day message

PandiferBear — Mon, 30 Jun 2014 04:05:30 GMT

@Cookie2120987 wrote:
@PandiferBear wrote:
Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.
That's what I was getting at. Considering I left finger hut open my son was playing with the iPad and typing random letters and it came back a "$500 PRE approval for (bunch of letters)

that was what I was meaning!

I just feel that Discover puts itself out there as a reputable company that will get your back with their commercials. That is good advertising. But, they should be a little more honest with the prequals. AT THE SAME TIME, I do understand that this may be a good business decision for them. That is unfortunate. And I will eventually app with them, when I can get better APR terms, but still, it is disappointing.

Re: Help please!!!! Discover it card 5-7 day message

nmbrsgrl — Mon, 30 Jun 2014 04:06:30 GMT

@PandiferBear wrote:
Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.

I agree. I don't get it. What's the point? How do they benefit from having you apply (believing you have a good chance at approval) just to deny you? I would think they would want you to know what needed to be done in order to be approved to use their flipping card!

Re: Help please!!!! Discover it card 5-7 day message

PandiferBear — Mon, 30 Jun 2014 04:12:28 GMT

@nmbrsgrl wrote:
@PandiferBear wrote:
Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.
I agree. I don't get it. What's the point? How do they benefit from having you apply (believing you have a good chance at approval) just to deny you? I would think they would want you to know what needed to be done in order to be approved to use their flipping card!

I honestly would appreciate a "we have no cards for you at this time." I got those messages from Chase forever until recently, but at least that let me know that maybe putting an HP here was a pretty bad idea. That said, I get WHY they do it (more people applying equals more people that eventually get approved). I would just rather know if there is a brick wall in front of me before I run into it. Other companies do that, and they could too, with the info they get.

Re: Help please!!!! Discover it card 5-7 day message

j_casteel — Mon, 30 Jun 2014 05:06:33 GMT

Regardless, when it's all said and done. You are the adult apping for the card and no one is making you app and no one is guaranteeing your approval. Whether it pops up a "congrats you are preapproved!!" OR "we think you'd like this card" OR "Sorry, nothing for you!" The decision to apply (or not) is up to you and whether you feel swayed in some way is irrelevant because you are an adult and made the decision.

Re: Help please!!!! Discover it card 5-7 day message

lg8302ch — Mon, 30 Jun 2014 08:41:06 GMT

@PandiferBear wrote:
Regardless of bait and switch or not, I really do wish that Discover would change their prequalify site. I do understand that they get more people to apply that way, but - sigh - it is just so disingenuous. Especially when you can put in fake info and get a message. Just my opinion. If I put in my info, please USE it.

Their pre-qual site is useless... I entered Mickey Mouse and got an offer ..lol and I am sure Mickey Mouse would end up with a denial ..lol

@OP I always get that same message on all my apps for verification issues. Discover was the same. Only instant I ever got was Barclay's Sallie Mae

Good luck!

Re: Help please!!!! Discover it card 5-7 day message

CreditPlay — Mon, 30 Jun 2014 13:14:57 GMT

Their pre-qual site is useless... I entered Mickey Mouse and got an offer ..lol and I am sure Mickey Mouse would end up with a denial ..lol

Hilarous!!! Probably they check only the last 4 digit of the social?

Re: Help please!!!! Discover it card 5-7 day message

Anonymous — Mon, 30 Jun 2014 14:11:49 GMT

On discover I got that message and then they called me 2 days later with a "Congratulations, you're approved."

This was with a very thin credit file. 1 account open for 7 months, that's it.

Re: Help please!!!! Discover it card 5-7 day message

Forte747 — Mon, 07 Jul 2014 23:55:03 GMT

Does anyone have the Backend phone number for Discover? Please PM it.