topic Re: Discover it Card in General Credit Topics

Discover it Card

masterkushba23 — Thu, 22 Aug 2024 15:44:49 GMT

I have a question. I recently just became a Discover It card member. I did the preapproval and was preapproved for the IT card. I went ahead with the application at the beginning of June, and I had to do identity verification over the phone with a cyber security analysis and then the 4506 form with Equifax verification services. I was eventually approved over the phone after calling once a week to get an update. For some reason, Equifax was taking a bit longer than usual. Out of curiosity, I did the preapproval again and was preapproved again for the it card. I went ahead with the application process; I didn't trigger identity verification this time. It did say to look out for an email from Equifax verification services. I also have a pretty active savings and checking account with Discover, so what should I expect this time?

Re: Discover it Card

GZG — Thu, 22 Aug 2024 16:21:26 GMT

@masterkushba23 wrote:
I have a question. I recently just became a Discover It card member. I did the preapproval and was preapproved for the IT card. I went ahead with the application at the beginning of June, and I had to do identity verification over the phone with a cyber security analysis and then the 4506 form with Equifax verification services. I was eventually approved over the phone after calling once a week to get an update. For some reason, Equifax was taking a bit longer than usual. Out of curiosity, I did the preapproval again and was preapproved again for the it card. I went ahead with the application process; I didn't trigger identity verification this time. It did say to look out for an email from Equifax verification services. I also have a pretty active savings and checking account with Discover, so what should I expect this time?

you can only get 1 card per year from Discover, so I imagine it will be denied.

I imaigne the pre-approval didn't have time to update with your new account with the tax form reporting delay

Re: Discover it Card

masterkushba23 — Thu, 22 Aug 2024 19:04:28 GMT

I still haven't received the e-mail from Equifax verification. Last time, it did take them about a day or two to e-mail me. Do you think I should let it be and go through the process 4506, etc., or even if I do all that, it's an automatic decline after processing from their system? Come August 30th, my IT account will be two months old.

Re: Discover it Card

ptatohed — Fri, 23 Aug 2024 15:54:39 GMT

@masterkushba23 wrote:
I have a question. I recently just became a Discover It card member. I did the preapproval and was preapproved for the IT card. I went ahead with the application at the beginning of June, and I had to do identity verification over the phone with a cyber security analysis and then the 4506 form with Equifax verification services. I was eventually approved over the phone after calling once a week to get an update. For some reason, Equifax was taking a bit longer than usual. Out of curiosity, I did the preapproval again and was preapproved again for the it card. I went ahead with the application process; I didn't trigger identity verification this time. It did say to look out for an email from Equifax verification services. I also have a pretty active savings and checking account with Discover, so what should I expect this time?

What is the "IT" card? ....and, the "it" card?

https://www.discover.com/credit-cards/compare/

Re: Discover it Card

Rebuilding1 — Tue, 24 Mar 2026 03:10:12 GMT

Just wondering how lomg did it take to get the card and account st up? I am going through the same thing with them

Re: Discover it Card

stuart012broad — Thu, 09 Apr 2026 08:55:43 GMT

Hello,

Your identity is on file, this application will probably be approved quickly without the phone verification.