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Hi all! First post so please be gentle. I have recently become obsessed with credit scores and thist passion has bled into wanting to help others I know. Trying to help my sister with her credit, I sent her a referral link for Discover thinking the link would allow her to apply for the secured card as her scores are <600. She inadvertently applied for regular card and was denied. Should she reapply today for the secured card with the hope that mulitple HPs can be merged or would she have a better chance of waiting until tomorrow or possiblly longer? I have searched the web without luck so hoping someone here would have some thoughts. I am leaning toward waiting until tomorrow. Multiple HPs seems insignificant at this point. Last HP 11/2016 for store card which was approved. Thanks!
Calling in and explaining the desire to be reconsidered for a secured card is probably your best bet for a quick and easy turn around.
Thank you Glen_M. She had called three times. Once just to confirm she had applied for regular card; Second time was connected back to main menu; Third was told she would need to apply online and maybe wait until tomorrow just to be safe. I also called and was told she would need to apply online but no advice on whether to wait or not. I hope they didn't automatically consider her for secured card and not a candidate.