Discover 2nd (second) card app thread

[joltdude]

@blueoak

I'd definitely go for a new card... Looks like your likely bucketed.. You have had your previous card for at least a year, and your score is significiently better... To quote the magic 8 ball.. All signs point to YES

-J

[joltdude]

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@Hockeypnc1 wrote:

Been with Discover IT (unsecured) since Sept. of 2017

$1800 starting line

Auto increased to $2200 after about 11 months, every CLI that I have requested been denied. 

I have been carrying a balance with them most of the time I have held the card.

Been trying their prequalify tool but always denied.

Today I got a prequalify for their IT Secured Card... why approve me for unsecured at first and then offer me a secured card??

Should I do it?

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What are your CURRENT FICO scores... 

It's very possible your card is bucketed but not knowing your current scores as compared to what you were originally approved at, not sure what to say.. other than NO don't go for a secured card if yours is currently unsecured.. Pretty sure you cant open a second Discover card thats secured if you have an unsecured card .... but would like to figure out whats going on.... 

-J

-J

[Anonymous]

I have one secured card and one that my wife just got and put me as AU. I checked the qualification page and it said I didn't qualify because having to many discover accounts.

[AverageJoesCredit]

@Anonymous

Its possible because you have a secured and a AU card, they may be counting that as your max 2 at one time. You should call and inquire

[Anonymous]

I just checked the pre-approval page. I am pre-approved for my second disco. It has the highest APR, set. I have never missed a payment, and always paid in full my first card the whole year. I also have a decent income. I don't understand why disco despises me. Is this common?

[Anonymous]

It could be your details, with your AAoA and inquiries you mentioned. Or it could be they let the Magic 8 ball decide....you never know with Discover. There good news is they were willing to give you not one but two cards. You could always get the second and later combine to apply for a third/second when they give you a better rate (this gives you a second year of cash back match). Or you could wait and see what they do when your profile improves.

[Anonymous]

First card 5-18 secured 200. 615 score at time of app.
After 7 statement unsecured gave me a $2000 limit. (695 score when unsecured)

I have checked pre qualification nothing yet. Does anyone know if you can pre qualify before you had the card for full year???
Of course I won't apply until May.

[Anonymous]

Did your card graduate after your monthly statement cut

[GApeachy]

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@Anonymous wrote:
 Does anyone know if you can pre qualify before you had the card for full year???
Of course I won't apply until May.

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Nope, you cannot.  I spoke with Discover CSR yesterday about all kinds of stuff, including my secured, and she said 1 day after my One year anniversary I can apply for #2.

[Anonymous]

Yes a few days after 7th statement cut. I graduated to unsecured.
Good to know about pre approvals since I'm obviously not seeing them with disco. Thinking I'm going for 2nd disco over amex will share dp's.( In may)