cancel
Showing results for 
Search instead for 
Did you mean: 

OMG... Am I possibly getting approved... FINALLY?!

tag
Creditaddict
Legendary Contributor

OMG... Am I possibly getting approved... FINALLY?!

You're almost done. Thank you for your application. Your reference number is 15001024XXXXXX.  

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

 

 

Discover Card... This is my 4th time applying I think and have never gotten this and of course they are closed right now!

Message 1 of 53
52 REPLIES 52
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!


@Creditaddict wrote:

You're almost done. Thank you for your application. Your reference number is 15001024XXXXXX.  

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

 

 

Discover Card... This is my 4th time applying I think and have never gotten this and of course they are closed right now!


Almost guaranteed it's the 6mos 0% offer with 22.99% APR afterward.

Message 2 of 53
Creditaddict
Legendary Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@Anonymous wrote:

@Creditaddict wrote:

You're almost done. Thank you for your application. Your reference number is 15001024XXXXXX.  

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

 

 

Discover Card... This is my 4th time applying I think and have never gotten this and of course they are closed right now!


Almost guaranteed it's the 6mos 0% offer with 22.99% APR afterward.


I'd take it... I'm like Brandy from Housewives Beverly Hills "I like a challenge, I want what I can't have"

being denied just makes me HAVE to have it despite that we literally just use our current joint discover to keep it active! we just never use it.

I also picked the purple color card... it's meant to be! lol

I like any cards that are completely different or make people look twice at it!

Message 3 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!


@Creditaddict wrote:

@Anonymous wrote:

@Creditaddict wrote:

You're almost done. Thank you for your application. Your reference number is 15001024XXXXXX.  

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

 

 

Discover Card... This is my 4th time applying I think and have never gotten this and of course they are closed right now!


Almost guaranteed it's the 6mos 0% offer with 22.99% APR afterward.


I'd take it... I'm like Brandy from Housewives Beverly Hills "I like a challenge, I want what I can't have"

being denied just makes me HAVE to have it despite that we literally just use our current joint discover to keep it active! we just never use it.

I also picked the purple color card... it's meant to be! lol

I like any cards that are completely different or make people look twice at it!


I hope you get it. I got the same offer with $1,800 CL in September with a 637 EQ FICO.

Message 4 of 53
TRC_WA
Senior Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@Anonymous wrote:


Almost guaranteed it's the 6mos 0% offer with 22.99% APR afterward.


Yep... I got the exact message when I applied on 12/24... and when I called on 12/26 I was offered those terms and a $1500 CL.

 

Didn't much care about the CL being low... I got in the door with Discover.

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 5 of 53
woodyman100
Valued Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!

Smiley Happy

I got the same message last week after my 6th time applying.

The analysts exact words were "oh we have a long list of questions for you". She then sent me to a senior analyst. He grilled me about my 32 inquiries and asked me (nicely) to explain what I used each card for. I went about 5 cards down the list in my mind and he stopped me and approved me for 2k.

i would imagine that your list of questions will be somewhat longer 

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-HarvardFCU-Keypoint CU-DCU-Union Square FCU-SignatureFCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Bread -DSNB-Webbank
Message 6 of 53
xnxo
Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@woodyman100 wrote:

Smiley Happy

I got the same message last week after my 6th time applying.

The analysts exact words were "oh we have a long list of questions for you". She then sent me to a senior analyst. He grilled me about my 32 inquiries and asked me (nicely) to explain what I used each card for. I went about 5 cards down the list in my mind and he stopped me and approved me for 2k.

i would imagine that your list of questions will be somewhat longer 


What was your response to the analyst that got him to stop and approve you? Just curious.


BoA Cash Rewards $1.9k, Cap1 QS $1.1k, Amex ED $2k, Amex BCE $7.5k, Amex PRG: NPSL w/ Opt to Carry, Kohls $300, VS $2.8k, Paypal Credit $1.8K, Sears MC $4K, CareCredit $1k
12-6-13 EX FICO: 591
Current Score: EXP: 708 (FICO 1/2015) EQ: 740 (FICO 12/2014) TU: 750 (12/14/14 FAKO)
Goal score: 750 across by JAN 2018! Gardening as of AUG 21, 2017 - GOAL 12 MONTHS
Message 7 of 53
Themanwhocan
Senior Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@Creditaddict wrote:

@Anonymous wrote:

@Creditaddict wrote:

You're almost done. Thank you for your application. Your reference number is 15001024XXXXXX.  

We just need a few more minutes of your time.

Please call to verify some information so we can continue processing your application at1-800-347-4736.

Monday - Friday: 8AM ET - Midnight ET
Saturday - Sunday: 9AM ET - 9PM ET

 

 

Discover Card... This is my 4th time applying I think and have never gotten this and of course they are closed right now!


Almost guaranteed it's the 6mos 0% offer with 22.99% APR afterward.


I'd take it... I'm like Brandy from Housewives Beverly Hills "I like a challenge, I want what I can't have"

being denied just makes me HAVE to have it despite that we literally just use our current joint discover to keep it active! we just never use it.

I also picked the purple color card... it's meant to be! lol

I like any cards that are completely different or make people look twice at it!


Yeah, I have a card like that...

 

email_barclays_shat_212x537.gif





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 8 of 53
boosnark
Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!

Congratulations. I had a pre-approval but somehow misplaced it and now don't have the Invitation number. I wonder if they can look it up easily in their system (based on SS no)?

Gardening until November 1, 2023
Message 9 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!

Congrats for making this far CA!

Message 10 of 53
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.