Unable to apply for a Discover IT card because of an existing account... That was closed years ago.

[DeeBee78]

Discover closed my IT card back in October of 2018 for "% of balances to credit limits is too high on revolving accounts"  because I dared to carry a 0% balance on my BOA rewards card. We put solar on the house and I used the BOA card to float it until tax refund time a few months later. 

I have tried to reapply for an IT card several times since then, and the application never goes through. No hard pull, no soft pull, nothing. When I get the rejection letter in the mail, it simply states that I already have a Discover IT card. I can still see the card in my Discover Bank online portal but it's been closed for almost 4 years at this point. The account was closed with a $0 balance - no charge off, never late, etc.

Will I ever be able to apply for another Discover IT card? 

[OmarGB9]

Have you ever called and escalated the issue? It seems to be a glitch.

[GZG]

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@DeeBee78 wrote:

Discover closed my IT card back in October of 2018 for "% of balances to credit limits is too high on revolving accounts"  because I dared to carry a 0% balance on my BOA rewards card. We put solar on the house and I used the BOA card to float it until tax refund time a few months later. 

I have tried to reapply for an IT card several times since then, and the application never goes through. No hard pull, no soft pull, nothing. When I get the rejection letter in the mail, it simply states that I already have a Discover IT card. I can still see the card in my Discover Bank online portal but it's been closed for almost 4 years at this point. The account was closed with a $0 balance - no charge off, never late, etc.

Will I ever be able to apply for another Discover IT card? 

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If you try the prequalification, what does it/your denial letter say? 

Previous bad relationship? Or that you already have an account? 

[DeeBee78]

Have not called yet. Was hoping to have some more insight as to how long a "blacklisting" applies, if it even exists. 

[DeeBee78]

It says I have an existing account. 

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@GZG wrote:
Previous bad relationship? Or that you already have an account? 

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[CYBERSAM]

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@DeeBee78 wrote:

It says I have an existing account. 

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@GZG wrote:
Previous bad relationship? Or that you already have an account? 

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How does it report on 3 credit bureaus? That should be the main indication of stats for your account.

[GZG]

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@DeeBee78 wrote:

Have not called yet. Was hoping to have some more insight as to how long a "blacklisting" applies, if it even exists. 

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If you were blacklisted, you'd think you would see "prior bad relationship" or something to the effect. Not "already has an account". People have multiple discover accounts. 

I agree with @OmarGB9 that you should call up and ask if they still consider you as having a previously negative relationship or if there really is a bug they could potentially fix for you.

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@CYBERSAM wrote:

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@DeeBee78 wrote:

It says I have an existing account. 

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@GZG wrote:
Previous bad relationship? Or that you already have an account? 

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How does it report on 3 credit bureaus? That should be the main indication of stats for your account.

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Definitely should check. Hopefully it is as OP says, always paid in full but closed by credit grantor. If not, that could be the cause. 

[Priory_Man]

Call and talk to a CSR they will help you out. It is similar to a problem someone I know ran into. The system for some reason never closed the account out fully. The CSR had her taken care of in about 10 minutes.

[SUPERSQUID]

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@DeeBee78 wrote:

Discover closed my IT card back in October of 2018 for "% of balances to credit limits is too high on revolving accounts"  because I dared to carry a 0% balance on my BOA rewards card. We put solar on the house and I used the BOA card to float it until tax refund time a few months later. 

I have tried to reapply for an IT card several times since then, and the application never goes through. No hard pull, no soft pull, nothing. When I get the rejection letter in the mail, it simply states that I already have a Discover IT card. I can still see the card in my Discover Bank online portal but it's been closed for almost 4 years at this point. The account was closed with a $0 balance - no charge off, never late, etc.

Will I ever be able to apply for another Discover IT card? 

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I cant imagine why having one account from them would be a reason for denial anyway since they approved me for 2 cards in 14 months.

[805orbust]

There are plenty of other cards out there that will do the same thing. Freedom Flex for starters. Take my advice with a grain of salt tho, Disco annoys the daylights out of me. 🙂