Discover is NUTS !

[Anonymous]

So after gardening now for about 9 months give or take, I stepped out today to try for Discover AGAIN as they're the only major CC unattainable to me. My TU score they pulled was 702, 24% UTIL and no baddies for over 3 years (no major baddies at all). 0 INQs past 6 months and 5 past 12 months. Wait for it ... DECLINED but offered a Joint applicant or secured card to build history.

So her s where the experiment comes in. My buddy wanted a Discover too so we applied online together. His stats are: EQ 641, lower income than me, 5 inquiries past 6 months and a 30 day late 13 months ago. 20% UTIL. APPROVED $1800!!! I nearly tooted.

Here's what I learned. Discover "Credit analysts" are bogus and not credit analysts at all. They have ABSOLUTELY NO POWER TO OVERTURN THE COMPUTERS DECISION - period. They are basically there to answer the phone and run your info through the system. I reconned all the way up to a Senior VP LOL and they said their analysts any override the system unlike BARCLAY or chase for example. Complete and utter joke - not sure why they call them credit analysts when all they do is read off of a screen and can not override a denial or recon a SL (buddy tried to recon limit to $3000, nope).

So after nearly a year I wasted an INQ. THANK GOD only pulled one Bureau. I declined the joint and said adios.

Discover is truly an enigma - one I am done trying to deal with. My buddy said to just secure a card for $2000 or so to get history - why would I do that with $100+ of unsecured lines??? Lol. Election Day laugh !!

[Anonymous]

Sorry about the denial OP. Goes to show that YMMV on CC applications. There must be something they didn't like on your profile. Your Util is a bit high..

[Anonymous]

Ah wait for it here's the reason cited. Too many inquiries last 12 months. So 5 inquiries in a year is too much ? lol it's honestly comical.

What really gets me is that the crEdit analysts have no power at all as in with other cc companies.

[AzaleaB]

That's a bogus response. When I got my Discover card, I had 5 or 6 on TU in the past 6 months. Can't see why you were denied and your buddy approved.

[Anonymous]

Like I said. Nutsss

[pipeguy]

Funny thing, looking through credit card threads I see things like "Discover is Nuts", "What's the big deal with NFCU", Chase and their 5/24 rule sucks, I give up on Barclay's, Capital One hates me, WF sucks, BoA drives me nuts,..... etc etc etc. (I left out Comenity because they actually do suck big time)

I wouldn't read too much into "generic reasons" posted. I just opened a new checking account with a fairly large bank - did it online and they had a problem with my wife's ID through ChexSystems which is what the CSR told me on the phone - before we got a chance to go into a branch, we got "denial" from the bank for my wife and the cited "non-derogatory public record history (we've lived here 30 years and in the area for 40) and property ownership history - again we've been in this house 30 years and had a second mortgage with this bank for 17 of those 30).

The best part is they gave her a CheckSystems credit score 883 out of 899 possible as a "denied" score.  (we got it all straight when we went into a branch). So don't read too much into generic reasons . 

That said, reading your sig, seems you have lots of revolving credit and quality accounts - other than the Credit One which I have no idea why you would keep that one open, so if Discover doesn't like you today.....no big deal. I used to have a Discover card in the late 1990's with a $10k limit - I closed it and I don't remember why but it wasn't due to missed payments or anything like that. Starting around 2011-12 I tried to get a Discover - declined, tried again at least 3 or 4 times declined. Then in late 2013 or early 2014 I was approved with a SL of $10k, that card is now $19.5k.

Today AmEx and I still don't like each other and CitiBank won't give me a branded Citi card but will give me any of their Citi-backed cards like Home Depot ($25k limit) and a bunch of others that I opened and subsquently closed  - doesn't matter, other than maybe ego, as long as you have revolving cards that fits your spending who cares who the lender is? (other than Credt One and the like )

[Anonymous]

Discover is my white whale and they always deny me. From what I've gathered and reading the forum they are not baddie friendly. I currently have three baddies left from 2013 and every time it's a no go. I was tempted again to try and app and started a post about baddies and discover and then I saw your post. Guess it's going to yet another hard pass for me

[kaw943]

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@pipeguy wrote:

Funny thing, looking through credit card threads I see things like "Discover is Nuts", "What's the big deal with NFCU", Chase and their 5/24 rule sucks, I give up on Barclay's, Capital One hates me, WF sucks, BoA drives me nuts,..... etc etc etc. (I left out Comenity because they actually do suck big time)

I wouldn't read too much into "generic reasons" posted. I just opened a new checking account with a fairly large bank - did it online and they had a problem with my wife's ID through ChexSystems which is what the CSR told me on the phone - before we got a chance to go into a branch, we got "denial" from the bank for my wife and the cited "non-derogatory public record history (we've lived here 30 years and in the area for 40) and property ownership history - again we've been in this house 30 years and had a second mortgage with this bank for 17 of those 30).

The best part is they gave her a CheckSystems credit score 883 out of 899 possible as a "denied" score.  (we got it all straight when we went into a branch). So don't read too much into generic reasons . 

That said, reading your sig, seems you have lots of revolving credit and quality accounts - other than the Credit One which I have no idea why you would keep that one open, so if Discover doesn't like you today.....no big deal. I used to have a Discover card in the late 1990's with a $10k limit - I closed it and I don't remember why but it wasn't due to missed payments or anything like that. Starting around 2011-12 I tried to get a Discover - declined, tried again at least 3 or 4 times declined. Then in late 2013 or early 2014 I was approved with a SL of $10k, that card is now $19.5k.

Today AmEx and I still don't like each other and CitiBank won't give me a branded Citi card but will give me any of their Citi-backed cards like Home Depot ($25k limit) and a bunch of others that I opened and subsquently closed  - doesn't matter, other than maybe ego, as long as you have revolving cards that fits your spending who cares who the lender is? (other than Credt One and the like )

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I agree 100% 

[Anonymous]

Thanks for your input my friend. Actually very thorough and makes a lot of sense. I really appreciate the candor. Credit One is now at $2,000 lol. Need to update sig. I keep it for util really and got AF credited. Might close next year but $2,000 is $2,000 for util purposes.

[mattmyFIC0]

I've wasted 5 apps on them in the last 18 months. They just don't like my profile for some reason. Pretty much every other lender I've applied at has been good with it but not Discover. For some reason it just makes me want it more LOL