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Discover It student declined ugh

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Anonymous
Not applicable

Discover It student declined ugh

So I went ahead and apped after some advice and thought, I need a card with a higher limit for some bigger purchases for school.

I have a 639 fico, because of two baddies (which I'm going to pay off! I moved in with my mom while I'm in school an working for help with the kids and getting debts paid off)

Discover declined me because I already have a secured card with them:
"THE NUMBER OF ACCOUNTS WITH DISCOVER FINANCIAL SERVICES"


Should I call for a recon? Should I ask to have the regular discover it instead of student?

blegh. Knots in my stomach I tell ya!
Message 1 of 11
10 REPLIES 10
OmarGB9
Community Leader
Super Contributor

Re: Discover It student declined ugh

You can try and recon, though I don't know that they will since you already have a card with them and maybe they don't feel comfortable giving you another. But it doesn't hurt to try!


Last App: 1/10/2023
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Currently rebuilding as of 04/11/2019.

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Current FICO 8 scores:


Message 2 of 11
ojefferyo
Valued Contributor

Re: Discover It student declined ugh


@Anonymous wrote:
So I went ahead and apped after some advice and thought, I need a card with a higher limit for some bigger purchases for school.

I have a 639 fico, because of two baddies (which I'm going to pay off! I moved in with my mom while I'm in school an working for help with the kids and getting debts paid off)

Discover declined me because I already have a secured card with them:
"THE NUMBER OF ACCOUNTS WITH DISCOVER FINANCIAL SERVICES"


Should I call for a recon? Should I ask to have the regular discover it instead of student?

blegh. Knots in my stomach I tell ya!

Recon is almost useless with Discover, they tend to stick with whatever the computer says. It's possible to have more than one card with them as I have 2. I'm going to guess it's the baddies that they declined you for.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 3 of 11
Anonymous
Not applicable

Re: Discover It student declined ugh

Sorry about the denial. I don't think recon will do any good. How about a Capital One Journey card?

Message 4 of 11
taxi818
Super Contributor

Re: Discover It student declined ugh


@ojefferyo wrote:

@Anonymous wrote:
So I went ahead and apped after some advice and thought, I need a card with a higher limit for some bigger purchases for school.

I have a 639 fico, because of two baddies (which I'm going to pay off! I moved in with my mom while I'm in school an working for help with the kids and getting debts paid off)

Discover declined me because I already have a secured card with them:
"THE NUMBER OF ACCOUNTS WITH DISCOVER FINANCIAL SERVICES"


Should I call for a recon? Should I ask to have the regular discover it instead of student?

blegh. Knots in my stomach I tell ya!

Recon is almost useless with Discover, they tend to stick with whatever the computer says. It's possible to have more than one card with them as I have 2. I'm going to guess it's the baddies that they declined you for.


Agreed. Once in a blue moon will they recon. They can tell you that its because you have a card. But if you got a 639 fico. Was that on EQ? which bureau. most likely they pull Eq and something is holding your score down that is not good.

Message 5 of 11
Anonymous
Not applicable

Re: Discover It student declined ugh

Good news everyone!

I didn't get the recon to go through (boo! But it's ok, I'm still in with them)

I talked to someone first who had no idea what I meant. They transferred me to someone else because they said a student card is the only card any person can have with discover, and since I had secured I couldn't have the student. Well that isn't true, I ended up talking to a credit analyst who told me you can have plenty of accounts with discover, and that you can have more than one after every year. So if you are a new customer, until your card is 1 year old, they do not allow any more card apps to go through (did not verify if this was just for secured but it would make sense to work only for secured). He looked at my baddies and said they weren't terrible and I meet the guidelines for an unsecured card except for the fact I have the secured (am working on baddies currently because I don't want them hindering my future mortgage!)

im just really really happy it wasn't the baddies.
Message 6 of 11
taxi818
Super Contributor

Re: Discover It student declined ugh

I'm pretty sure that is what j was told as well. Card has to be a year old. Now I wonder how sensitive they are to inquiries if I go for the miles card.
Message 7 of 11
ojefferyo
Valued Contributor

Re: Discover It student declined ugh


@Anonymous wrote:
Good news everyone!

I didn't get the recon to go through (boo! But it's ok, I'm still in with them)

I talked to someone first who had no idea what I meant. They transferred me to someone else because they said a student card is the only card any person can have with discover, and since I had secured I couldn't have the student. Well that isn't true, I ended up talking to a credit analyst who told me you can have plenty of accounts with discover, and that you can have more than one after every year. So if you are a new customer, until your card is 1 year old, they do not allow any more card apps to go through (did not verify if this was just for secured but it would make sense to work only for secured). He looked at my baddies and said they weren't terrible and I meet the guidelines for an unsecured card except for the fact I have the secured (am working on baddies currently because I don't want them hindering my future mortgage!)

im just really really happy it wasn't the baddies.

Not true at all, I have 2 of their cards both within a year. 

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 8 of 11
tbque
Valued Contributor

Re: Discover It student declined ugh


@ojefferyo wrote:

@Anonymous wrote:
Good news everyone!

I didn't get the recon to go through (boo! But it's ok, I'm still in with them)

I talked to someone first who had no idea what I meant. They transferred me to someone else because they said a student card is the only card any person can have with discover, and since I had secured I couldn't have the student. Well that isn't true, I ended up talking to a credit analyst who told me you can have plenty of accounts with discover, and that you can have more than one after every year. So if you are a new customer, until your card is 1 year old, they do not allow any more card apps to go through (did not verify if this was just for secured but it would make sense to work only for secured). He looked at my baddies and said they weren't terrible and I meet the guidelines for an unsecured card except for the fact I have the secured (am working on baddies currently because I don't want them hindering my future mortgage!)

im just really really happy it wasn't the baddies.

Not true at all, I have 2 of their cards both within a year. 


What two do you have? I only see 1 in your signature.






Message 9 of 11
ojefferyo
Valued Contributor

Re: Discover It student declined ugh


@tbque wrote:

@ojefferyo wrote:

@Anonymous wrote:
Good news everyone!

I didn't get the recon to go through (boo! But it's ok, I'm still in with them)

I talked to someone first who had no idea what I meant. They transferred me to someone else because they said a student card is the only card any person can have with discover, and since I had secured I couldn't have the student. Well that isn't true, I ended up talking to a credit analyst who told me you can have plenty of accounts with discover, and that you can have more than one after every year. So if you are a new customer, until your card is 1 year old, they do not allow any more card apps to go through (did not verify if this was just for secured but it would make sense to work only for secured). He looked at my baddies and said they weren't terrible and I meet the guidelines for an unsecured card except for the fact I have the secured (am working on baddies currently because I don't want them hindering my future mortgage!)

im just really really happy it wasn't the baddies.

Not true at all, I have 2 of their cards both within a year. 


What two do you have? I only see 1 in your signature.


I have the IT and the Miles, it's in the sig

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 10 of 11
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