Discover It i was itching to apply for one last card untill I garden for 1 year

[OmarGB9]

Great! Me too! No more apping for me until at least January.

[Anonymous]

---

@Anonymous wrote:
Update called today I was put on hold immediately denied what a waste of an inquiry. I'll be shamed time to lay my seed and garden.

---

Did they give the reason for the denial, or just say wait for the letter?

If its fixable, and probably is, make sure that issue(s) is fixed before the next app with them.

I would suggest 6 months before trying with them again.

hth

[Anonymous]

---

@Anonymous wrote:

I just applied for my final credit card discover it and boy was the application talkitive. i mean I supplied all the information and clicked submit application than the system said wait 60 sec it took me to another page to answer more questions time of employment and time of residence stuff like that i make $36,500 a year and work here for this amount of time blah blah blah. after submitting that page it said to wait 60 sec and than it said

You're almost done,

Thank you for your application

we just need afew more minutes of your time

I called and spoke to a gentleman and he said "sorry we cannot make any credit dicision right now our system is undergoing maitenance call back in 24hrs"

wow this is my 3rd time that i have applied with in every 2-4 months each

My Current scores(Updated today)

EX 662                15 inquiries
Equifax 665        9 inquiries
TU 691              5 inquiries

I have a charge off from BOA in 2013(settled for less than full amount)
120days late department of education in 2013(paid down 45 percent)

1 collection in 2013 (paid full amount)

4 recent New accounts from JANUARY-March 2015 amd two recent inqiures

My utilization ratio is 11%

my aaoa 3.4years

Current cards

Bank Of America Cash Rewards $2000

Home Depot Consumer $6000

Walmart Store Care $5000

QuickSilver One MC $2000

Wells Fargo Secured Card $500

todays approved cards but not yet reported

Cpital one QuickSilver VISA CL$3000

Care Credit CL$5500

what do you guys think will be the result when i call tomorrow? hmmmm lets see what you guys think. i am going to call tomorrow and update the results of it here

---

Sorry you got denied, i was lucky to get approved but with low CL...question: why did you apply for a care credit card? you have decent cards already and i dont think you needed that one.  Just IMO 

[Anonymous]

Thank you for your comment on my cards. The reason why I applied for care credit was because 1 my dentist accepts it 2. my dental I have a serious tooth problem that needs both surgical removal and implant tooth. And I don't have the $$$ because I wiped my account paying off my credit card debts,collections(pay for delete), and family members who I borrowed money from. 3 is for my pets. 4 is for finance even 14 Apr for 48 months or 24 months 0% Apr finance is fine. Why are you saying it's not a card for ppl with good credit?

[Anonymous]

Peanut, Care Credit is great for those who need it! Even people with thick files and excellent credit use it.

[Anonymous]

Oh good I'm glad to hear that justme3. So that is another good card that's in my wallet. 

[Anonymous]

---

@Anonymous wrote:

Oh good I'm glad to hear that justme3. So that is another good card that's in my wallet. 

---

Yes it is 

[Anonymous]

---

@Anonymous wrote:

Thank you for your comment on my cards. The reason why I applied for care credit was because 1 my dentist accepts it 2. my dental I have a serious tooth problem that needs both surgical removal and implant tooth. And I don't have the $$$ because I wiped my account paying off my credit card debts,collections(pay for delete), and family members who I borrowed money from. 3 is for my pets. 4 is for finance even 14 Apr for 48 months or 24 months 0% Apr finance is fine. Why are you saying it's not a card for ppl with good credit?

---

I didnt mean to say it's not a card for ppl with good credit...What i was trying to say is that this card helps ppl to re-establish credit, and since you already had good cards with great banks, i was just curious that's all.  I see it works for you and that's what matters.