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I have found Discover mailers to be solid.... Mine did say the basis of approval was solely based on income and any income over $10,000 would be approved.
@Nova5041 wrote:
@datrucking210 wrote:
@Nova5041 wrote:Honestly it might be good, but there is still a chance of denial. Plus discover marketing is notorious for false hopes. Especially since you have a Bk, I would just hold off. Ask yourself do you really need this card or do you just want this card. Just my two cents! 😁
From all the cards I have this might be the more useful.
Well in that case go for it, like you said you already have a alot of inquires, what is one more! But you seriously need to garden for the next 5 years, after you do!! Lol😁
He or she would only need to garden at most 2 years depending on how spread out the inqs are. I have around 33 on my EX and 30 on my EQ and half of them are over a year old. My TU has around 16 with half over a year old. They disappear after 2 years.
Well woke up and thought about it some more and decided to go for it. Entered all my info and hit submit and got the 5-7 days message. Bummer. On the plus side I've never seen this message from them. The three previous tries have yielded instant denials. I tried checking the online app status and I get an error message, there was an error retriving your application. Should've waited till tomorrow to apply.
@datrucking210 wrote:Well woke up and thought about it some more and decided to go for it. Entered all my info and hit submit and got the 5-7 days message. Bummer. On the plus side I've never seen this message from them. The three previous tries have yielded instant denials. I tried checking the online app status and I get an error message, there was an error retriving your application. Should've waited till tomorrow to apply.
Let us know how it goes... my 'fingers are crossed' for you! ![]()
Called in and first rep couldn't even locate my app and transferred me to someone else. She couldn't located it either. She asked me if I wanted to resubmit the app and I was like sure, should've said no. Gave her my invitation code and the rest of my info she told me it declined but if I had a cosignor she can send me the application so that we can send it in. I said no thanks and now I know where future Discover mailers go to, thrash can and thanked her for her help.
No guts no glory. Wonder why you got the wait thing 7-10 day thing. Hmmm something is up with that ..Keep us posted if something changes.
BellaLina,
+1 agree. Something is probably up.
@datrucking210 wrote:Called in and first rep couldn't even locate my app and transferred me to someone else. She couldn't located it either. She asked me if I wanted to resubmit the app and I was like sure, should've said no. Gave her my invitation code and the rest of my info she told me it declined but if I had a cosignor she can send me the application so that we can send it in. I said no thanks and now I know where future Discover mailers go to, thrash can and thanked her for help.
I wonder if the 2nd app was declined because there was already an app pending in the system, even if the reps couldn't see it? I remember when I app'd for Discover it took them a few days before anybody could see my app in the system. This happened 2 out of the 3 times I app'd. The 3rd time I was denied and instantly offered the secured version, which I took. I sure hope they didn't HP you twice for both apps. If I were you I'd still follow up on the first app and see what happened with that one.
@Anonymous wrote:
@datrucking210 wrote:Called in and first rep couldn't even locate my app and transferred me to someone else. She couldn't located it either. She asked me if I wanted to resubmit the app and I was like sure, should've said no. Gave her my invitation code and the rest of my info she told me it declined but if I had a cosignor she can send me the application so that we can send it in. I said no thanks and now I know where future Discover mailers go to, thrash can and thanked her for help.
I wonder if the 2nd app was declined because there was already an app pending in the system, even if the reps couldn't see it? I remember when I app'd for Discover it took them a few days before anybody could see my app in the system. This happened 2 out of the 3 times I app'd. The 3rd time I was denied and instantly offered the secured version, which I took. I sure hope they didn't HP you twice for both apps. If I were you I'd still follow up on the first app and see what happened with that one.
I'm hoping so but not holding my breath.