Discover's Preapproval Now Doing Soft Pulls On EX

[Anonymous]

I just did Discover Preapproval and the denial letter gave me my Experian Score. Previously, it had always been EQ score. The listed both CRA's on the letter but only my score was from Experian. I was denied because "time since your most recent Discover card has been open", I have a secured card.

Anyone know when they started doing soft pull on EX? How long do I have wait between account openings?

[Newbie2018]

From what I have read. You can only have one discover card product at a time.

[Anonymous]

---

@Newbie2018wrote:
From what I have read. You can only have one discover card product at a time.

---

Are you sure about that? I thought I read of some folks having 2 cards.

[Remedios]

I think you can get the second card once the first one is a year old

[CreditCuriosity]

---

@Remedioswrote:
I think you can get the second card once the first one is a year old

---

+1 can have two discover cards, but have to be a year apart from the previous ones approval.

[Anonymous]

Anyone know if I cancel my secured card, will I be immediately able to apply for an unsecured card or will I still have to wait a year?

[AverageJoesCredit]

Not sure Treasure but how long have you had your secured? If its the It, you probably could app the Chrome or Miles since technically, they are different products.

[Anonymous]

---

@AverageJoesCreditwrote:
Not sure Treasure but how long have you had your secured? If its the It, you probably could app the Chrome or Miles since technically, they are different products.

---

I've had the card since November. When I did the preapproval it said time since most recent card opening is too soon. I'm wondering if I closed the secured card, would that make a difference. My reason for wanting to do this that my EX score is much higher than my EQ score, if they're now using EX for approval I'm sure I would qualify for an unsecured card.

[joltdude]

Need at least a year between products with Disco..

[joltdude]

---

@Anonymouswrote:

---

@AverageJoesCreditwrote:
Not sure Treasure but how long have you had your secured? If its the It, you probably could app the Chrome or Miles since technically, they are different products.

---

I've had the card since November. When I did the preapproval it said time since most recent card opening is too soon. I'm wondering if I closed the secured card, would that make a difference. My reason for wanting to do this that my EX score is much higher than my EQ score, if they're now using EX for approval I'm sure I would qualify for an unsecured card.

---

Treasure.. SLOW DOWN..

Youve only had the secured card for four months if that?

It takes at least 7+ months to unsecure.... 

No your not going to get a second card with discover for at least a year since you opened the secured account

You *might* be able to close it and open an unsecured card, and then you might not.. 

Credit is a marathon not a sprint... and your trying to cut corners.... 

You keep trying to shortcut the process.. 

You need TIME to pass to grow your credit...

-J