DISCOVER can kiss a rump ! Lol

[Anonymous]

I'm stunned. After huge approvals and score boosts into low 700 land, Discover made me get a co applicant for approval and then on top of that gave us a $500 CL !!! My partners scores are 770s and our combined income is almost $175k!!! Absolutely ridiculous. They seek to think they are elite among the Elite!

Amex ED: $4000
Amex Delta: $7,700
BBVA Nba: $5,000
USAA: $2,000

All within a week. Discover was my last in spree and I was stunned. They cite reason as 30'day lates from 5 years ago and INQs !!! Five years! I told her that a late or two from five years ago no way accurately reflects my present situation (I was very ill), and is unjust to utilize at this time. No dice. $500 with a consigner.

I'm angry and thinking of telling them to shove it and canceling. Why Discover has this holier than thou attitude I will never know. Their card is pretty, but much like other things in life, pretty doesn't always equate to something worth while! Perhaps I sound entitled myself, but I'm sorry -- scores as mine, high income AND a cosigner with $500 CL is just insulting. Sleeping on it then possibly closing in AM. waiting on a call from a Manager too, but that'll do no good I hear. Many complaints on this forum for the exact same reason with this company.

I'll
Be happy with my Amex's and BBVA :-). Got an awesome
BT Offer with BBVA and scooped it up !

[kdm31091]

You are rebuilding. Take what you can get and let it grow. Relax and don't let emotion cause you to cancel a card just because it isn't IMMEDIATELY what you wanted.

[Anonymous]

I would just keep the card and use it for the 5% cashback and discover deal. Cli is soft pull. You already took 2 HP.

[Anonymous]

I'm
Not really "rebuilding" anymore. Rebuilders typically don't get CLs of $7700, and a total of over $15k in a few days. . When I hear rebuilding I think high 500s, low 600s scores. I'm way past that. I suppose in a sense I'm still in that bracket but barely.

You have to admit that it is completely off compared to other approvals -- especially with other prime lenders. Amex especially ! Just don't get it.

[kdm31091]

---

@Anonymous wrote:
I'm
Not really "rebuilding" anymore. Rebuilders typically don't get CLs of $7700, and a total of over $15k in a few days. . When I hear rebuilding I think high 500s, low 600s scores. I'm way past that. I suppose in a sense I'm still in that bracket but barely.

You have to admit that it is completely off compared to other approvals -- especially with other prime lenders. Amex especially ! Just don't get it.

---

I know you feel this approval is "unfair" but creditors don't simply match limits that you just recieved. You seem to have a real lack of patience. "Rebuilding" doesn't end just because you got a few good approvals.

You have to just be patient and let things grow. Rebuilding is a process.

[Anonymous]

I might have agreed with the above except a.) You already have other cards with decent limits, $500 is going to be a pain trying to utilize 5% categories or Discover Deals with and b.) Maybe giving it a couple years and then reapplying would net you better results with Discover later.

But on the other hand you dont have much diversity at the moment from what I can see and the CL might grow over the next couple years. Maybe...its really up to you but if you keep it then thats completely understandable. Discover has been a headache for me lately so my opinion is a bit biased right now, keep that in mind.

[Anonymous]

I will be the first to admit I have very little patience. It is a virtue I lack lol.

I respect your viewpoint. I just don't agree. If it was one lender that approved me either a decent limit I may see your stance better. But three separate lenders? 2 of which have me $5k+? I just don't see it.

Again I don't see where discover gets their UW rules but they are far off from other primes

[Anonymous]

Heavenly love your post. Thank you. I will say however that I have other cards -- my overall credit is now $31,000 ! Those were just my new cards. I have BARCLAY, Care Credit, Capital One as well. Lines $1500-4500 on those.

[Anonymous]

Discover gave me my 1st card for $500 with all aus on my file last December via a prescreened letter but as you can see in my siggy 11 months later my limit sits at $1300. And then when I hit the cli button it wants permission to pull my credit. No way.

I wish someone who works in their credit analyst department could come on here incognito and explain to us their credit granting criteria. 

They should have at least given you $1500.

[Anonymous]

In that case Id let Discover go for now with no hard feelings. It sucks sometimes but they are quirky and really could care less about your other card limits. You get what they give you, take it or leave it.