Done with Discover

[ohreally7654]

OP, I’m so sorry about your frustration with Discover. I, for one, never should have been approved by them over someone with your profile. I originally had a card with them several years ago, CL was $9K. I ended up going seriously late on most of my cards, back in 2012/early 2013 due to job loss.  Discover was one I ended up going 120 days late with.  They put me in a hardship program (this was one creditor who wouldn’t agree to be a part of my Consumer Credit Counseling plan), and I paid them off 3 years ahead of schedule (they put me in a 5 yr hardship program).  Yes, the early payoff was a good thing, BUT, the fact remains that I still had a mess of lates in my wake.  I applied for another card with them a few days after paying them off and approved for $1400 CL to start.  Income in the 80’s, all cards current for the last 2 years, no charge-offs or collections or anything else negative. Lots of new accounts (though oldest account is 23 yrs old) and inquiries. I was feeling a little bit crazy for even trying to get back in w/them after that.  Still shocked over the approval, and yet they deny you???  I do NOT get it. I wish I had some insight into their behavior.

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear about the denial, OP.  What is it in your credit profile that you think is holding you back, or that Discover isn't liking when considering your application?

Is your income sufficient?  A lot of times when a co-signer is required it's income related.  If that's not it all I can think of is it's whatever the negative stuff is in your file that's keeping your scores out of the 700's?  Have they ever provided you with reasons why you are getting denied?

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Income is upper 80's, one baddie that drops off next year. I am waiting on the denial letter so I'll know for sure. All other accounts are paid. Two cards with high utilization the rest are 0. Overall utilization is under 30%. Probably to many new accounts. I can accept that, but don't tell me to call for verification only to tell me you want co- signer/applicant. 

Thanks for your reply, I'll just have to wait on the letter to find out.

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[Anonymous]

The same thing happened to me. I got approved for a Barclay rewards and Quicksilver upgrade. My score is in the 660 range and I foolishly thought that this would be a great time to try to get a Discover card. I was wrong. They said they would only approve me with a co-signer. I don't get it. 

[RCFL]

It's strange why they didn't approve you. When I applied, back in 2014 - my score was around 650-660 with a 4 years old BK on file. Approved for 3k and now my limit with them is $20500

[Anonymous]

Discover is goofy and I won't waste my time with them again. They hard pulled a 758 no bads, 12 yr history and AAoA of 39 months. $248k income and gave me an instant denial. The letter said not enough history using credit.

[AverageJoesCredit]

Wow Vortexeng, they are seriously bonkers. I have to say how frustrating it was when i would apply, after applying, you would have to call in to finish up( this iin itself is kind of misleading or maybe gets ones hope up ) and after telling them you just applied, they just say " We are sorry we cannot approve at this time would you like a joint app...etc" no offers for secured route or anything. No thanks, 1 , i dont have anyone to joint app with and 2, if i cant get the card on my own merit, i dont want it with someone else.

Anyhoo, i know my profile plays a big part in their decision and i understand but theirs is a cat and mouse game one can only play so long. Also if income truely decides if you get approved, im in BIG trouble

[althes]

My guess is they saw the cards you have , and thought you won't use their card enough.

Discover can be real picky like that.