Discover Application Process Questions

kberly69 · ‎06-03-2017

I received a Discover mailer today, apped, and was approved for $4K. I found it weird that a) I didn't get an email saying congratulations or similar and b) I have recieved no notice from any of the bureaus that there was an inquiry. I took screenshots of the approval and credit limit pages just because I thought it was so strange. They said I would receive my card and info in 5-7 days. Is this the usual procedure for Discover? I'm starting to worry it was all a dream or unfunny joke

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821

Anonymous · ‎06-03-2017

I didn't receive an email and the inquiry took days to report. If you think your eyes were deceiving you, go to the status page and look again lol 😂

kberly69 · ‎06-03-2017

That makes me feel better, thanks

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821

austinguy907 · ‎06-03-2017

This is somewhat normal for Disco. I don't recall getting an approval e-mail after applying either. I do know though that it's a 50/50 shot of getting an e-mail after getting a CLI and those even take 3-7 days for them to send something confirming the increase. You'll probably get the confirmation after you get the card. When I apped they pulled EX but, many others report either TU or EQ depending on location.

kberly69 · ‎06-04-2017

Thank you- this really helps. Every other card I've been able to get has sent me a love letter via email immediately and I've seen the inquiry right away. The EX pull notice came this morning, so that along with the comforting emails means I can relax and wait for my new purple card in the mail

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821

Anonymous · ‎06-05-2017

Same thing happened to me. I applied for the IT card on 5/31 and instatntly was approved for 9k. I didn't receive a confirmation email, and when I called the CSR said I'll receive a letter in the mail. This morning, I finally received a Welcome to Discover email letting me know that my card has shipped.

Anonymous · ‎06-05-2017

Speaking for myself, when I was approved for the Discover IT I got a screenshot of my approval splash screen right away so I had proof even if I didn't get an email. Now that I think of it, I did the same thing with the Overstock Store Card (I didn't get a "love" email then either).

JustBPatient · ‎06-05-2017

Congrats on the approval, you will be fine. Now ramp up the spend for the next 12 months. Everything is double cash back for the first year!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745