Discover doesn’t do recons?

[Anonymous]

I just called a recon number for discover that I found here, and the woman told me they don’t do reconsiderations, but that I could submit a new application. I received a pre-approval in the mail so I was pretty bummed that I got a denial. Denial reason is “collection” which is a collection from 3 years ago.

Has discover stopped doing recons? Any advice here or should I give up on it.

[FinStar]

Discover has been known for quite sometime for not doing reconsiderations.  IIRC, in extenuating circumstances through their EO, some decisions could be overturned if an error occurred, but that was back in the day.  However, since their UW process is entirely automated, decisions cannot be overriden, unfortunately.

[Anonymous]

Bummer. Thank you for the info.

[pinkandgrey]

Here’s what you do:

Start a new application

Add at least one 0 to your income

Voila

Obviously I’m kidding lol..Sorry about the denial, but it’s probably a no-go with Disco. Don’t worry, though! Discover is highly forgiving and you can always reapply in a few months. 

[kdm31091]

Unfortunately there's no recon with Discover. You just have to wait and give it another try down the road.

As someone else mentioned, years ago I think they had more wiggle room with decisions, but it's entirely automated now.

[Anonymous]

I had luck turning a application hold/review into a approval and 3k SL over the phone but it was not a ouright denile. Sorry about the shoot down,, dont give up on them i find them a great lender to deal with and enjoy my cash back card. good luck

[CreditCuriosity]

Computer runs all at discover the CSR/UW or whatever appear not to be able to override anything that the computer says.  Pretty black and white with them.  Sure on some very rare cases something might be able to be done on EO level, but yet to be seen on anything since I have been on forum.

[Anonymous]

Did the "pre approval" offer letter in the mail have a set APR?  I was wondering if it wasn't just a marketing ploy.

The reason I ask is that's what happened to me in February. I was pre approved for secured card on their site, and got that letter in the mail. Instant denial after applying. Then the following 2 months I received online pre approvals for all their cards. Applied and voila $9500 limit.

So you may want to wait a few months then check pre approvals via the website.

PS I also have a paid collection on my report plus 4 "90" day late student loan payments from 2015 and early 2018.

[Anonymous]

They make absolutely no sense.

[Meanmchine]

Every week, go to teir preequal website and see of there are ny offers for you.  If one pops up, TAKE IT.  Rise and repeat til they say yes