Re: Discover Application Spam

adelphi_sky · ‎08-18-2021

So, has this eer happened to anyone? Recently over the past month, Discover has ssent me no less than two applications in the mail. I cancled them years ago when they gave me a $1200 CL and then dropped it to $900 in like 6 months. lol. I closed the card and told them to kick rocks. Is this paybak? I literraly have a stack of applications they sent in just one month.

I never did like their rotation categories. I just don't have the time to focus on what I'm spending every quarter. Especially since I have other credit cards for designated spending. Is Discover hurting for customers?

SUPERSQUID · ‎08-18-2021

The only email i get from Discover is a payment verification email for my monthly payment.

There are lots of scammers, ignore those emails.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 5300, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 2850

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

Brian_Earl_Spilner · ‎08-18-2021

The marketing company they hired gets lists of people from the credit bureaus based on criteria they set forth. You meet what they're looking for. They get paid on capture rate. The more applications that go out, the better chances of them getting paid. There's nothing else to it.

adelphi_sky · ‎08-18-2021

@SUPERSQUID wrote:
The only email i get from Discover is a payment verification email for my monthly payment.
There are lots of scammers, ignore those emails.

No emails. All snail mail.

FalconSteve · ‎08-18-2021

You can opt out of pre screened offers at OptOutPrescreen.com

This will affect all banks from sending applications

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

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