Discover It application

Anonymous · ‎10-17-2016

So I applied for the Discover It card last friday and got a message that I needed to call to verify some information, I called and I was told that my application was being processed and to call back in a few days. What can I expect once I call, do I have a good chance to get it?

Before applying I checked the prequalified offers and the Discover It card appeared with a set APR and that´s why I decided to apply. I have a thin profile, 16 months of credit history, 2 credit cards with a $1000 limit between them, a credit score of 698 and no late payments.

pizza1 · ‎10-17-2016

Thin profile with only 2 cards?? you're IN like sin! LOL

Id say you have a 75% shot at getting approved. They LOVE thin profiles, and not a bunch a derogs. Score is fine for approval too.

Good luck to you and hope to see you in the approvals!

Welcome to the forums too!

Anonymous · ‎10-17-2016

Thanks, I'll update once i get a result, hopefully an approval.

joltdude · ‎10-17-2016

Treat your Discover as a daily driver and it will roll out the carpet

joltdude · ‎10-17-2016

I have a less PG analogy for discover

UncleB · ‎10-18-2016

@joltdude wrote:
I have a less PG analogy for discover

If you would be embarassed to say it to your grandmother or it would be inappropriate for the kids in your family, it's best to save it.

MsKiwi · ‎10-18-2016

@UncleB wrote:
If you would be embarassed to say it to your grandmother or it would be inappropriate for the kids in your family, it's best to save it.

LOL. This really did make me laugh.

Anonymous · ‎10-19-2016

So I just called today and I was told by the agent that they wanted to get me a decision today, then he proceeded to tell I wasn't approved and offered me to open a joint account :-(

Anonymous · ‎10-19-2016

@Anonymous wrote:
So I just called today and I was told by the agent that they wanted to get me a decision today, then he proceeded to tell I wasn't approved and offered me to open a joint account :-(

Well that stinks...sorry OP. Many of us have had to knock on Discover's door several times to get let in. 3 was the magic number for me. Don't let it get you down. Keep up the good work and try again in 6 months. I'm really surprised you didn't get approved.

AverageJoesCredit · ‎10-19-2016

Yes sorry to hear that Op. For me the worse part, apart from the rejection obviously, is getting the joint account offer. I would rather be offered the secured or nothing but i always got that offers on all my rejections. Best of luck on future endeavors