Discover It Denial- I Am Devastated!

[joltdude]

It took me 2 times to tango with Discover...got appers anxiety on re-apping.. waited almost a year to reapply..

But I was coming from a thin clean file with a 740ish score... which had 1. SSL, 2. PLOC of 1K, 3, CU of 5K and a 1 mo Freedom... 

really think in your case Discovers being the jealous girlfriend... All those new TLs and HPs in short order... Id wait 6 months or more...

If your not opposed to a *gasp* secured card, you could do that even earlier.. 

I have no regrets.. 

And It is definitely one of the stars in my wallet, esp with the CL.. Have no other card that even comes close to 16k in my wallet.. thats the other thing... many find that discover starts them lower and in 3+ months usually some movement... then it can sprout like a beanstalk for some, little slower for others, and then ... some stalled folks...

[austinguy907]

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@joltdude wrote:

It took me 2 times to tango with Discover...got appers anxiety on re-apping.. waited almost a year to reapply..

But I was coming from a thin clean file with a 740ish score... which had 1. SSL, 2. PLOC of 1K, 3, CU of 5K and a 1 mo Freedom... 

really think in your case Discovers being the jealous girlfriend... All those new TLs and HPs in short order... Id wait 6 months or more...

If your not opposed to a *gasp* secured card, you could do that even earlier.. 

I have no regrets.. 

And It is definitely one of the stars in my wallet, esp with the CL.. Have no other card that even comes close to 16k in my wallet.. thats the other thing... many find that discover starts them lower and in 3+ months usually some movement... then it can sprout like a beanstalk for some, little slower for others, and then ... some stalled folks...

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This is the biggest hurdle for most to get beyond when they finally see the approval come through after all of the work to get in the door.  IT will grow with time!  Some faster than others and once the ball gets rolling it's limitless.  Stubbing your toe though with a BT tends to stall things out but, the payoff when it's paid off seems to be bigger than a normal CLI anyway.  Disco is quirky about how they run things but, some of us love the chase and challenge they offer!

[Anonymous]

2 options. One is wait till you have a clean EQ, no INQs for 6 mo, Utilization below 10%, and a 700 or higher score.
Second is throw $200 on a secured Disco card and you probably will be graduated in 7 mo and get a CLi when they graduate you. The secured route is how I got in, was graduated at 7 mo, my scores were lower than yours, and at 7 mo I got a $1750 CLI to $2250 and was unsecured. Now I am waiting on my first CLI decision for them since graduating.

[rmduhon]

I'm 0 for 2 myself. Both attempts had clean reports, thin file, about 8 inquiries. I received a preapproval in the mail that I'm going to try later this month or next month.

[Anonymous]

Keep in mind that Discover describes themselves as a "conservative lender." A manager and CSR at Discover both told me that Discover considers a customer "new" until they have had 18-24 months with their Discover card. Seriously.

They are difficult to predict so it is often best not to even try to predict any patterns. It's a stab in the dark most often. I did get both my Discover it and my Discover Miles on the first try, but they are unpredictable at best with CLI's. Keep trying, and others on the board have gone the secured route if you really want to get a Discover card. It's something to consider.

[kidink1911]

rmduhon, Djgrolyos, joltdude, and austinguy907 your personal testimonies have shed so much light on how Discover works. I'm sure everybody reading and following this thread are taking heed and taking notes! I know I am!

[Anonymous]

With eagerness and willingness to listen and learn you will get them in no time. Keep up your repair and rebuilding work, read this forum-daily if you can.... it's amazing how much you can learn and if you miss a day you can miss the one thing you need to know. Concentrate more on the FICO scoring and coming back from credit problems sections versus the approvals and applications sections.

I truly believe in the Discover Secured program. It is the best secured card and the one that graduates the fastest.... plus you get all the same benefits as the regular card; FICO score, rewards, cash back match, etc.... if you have $200 you can even apply online and with your score I would think it is good enough to get an instant approval.

Keep up the good/hard work and keep us all posted on your progress and successes. GL.

[Anonymous]

Ps. Your sig doesn't work. Just shows links.

[Anonymous]

That's weird. I've been seeing the card pics in his sig since the thread started. 

[MyLoFICO]

I can't get approved for unsecured and my Secured won't graduate. I am beginning to think my Ex bought Discover and she is just being mean.