Discover instant approved, yet denied.

[Anonymous]

So I applied for discover it last week, got instant approval, generous limit, and was expecting my card to arrive this week. I checked the status on discovers website and the approval message was updated to "were sorry we're unable to approve you for a discover card, you will get a letter explaining why..." Has this happened to anyone here ? Is discover known for approving credit cards and then denying applications?

[DeeBee78]

---

@Anonymous wrote:
So I applied for discover it last week, got instant approval, generous limit, and was expecting my card to arrive this week. I checked the status on discovers website and the approval message was updated to "were sorry we're unable to approve you for a discover card, you will get a letter explaining why..." Has this happened to anyone here ? Is discover known for approving credit cards and then denying applications?

---

I believe we have seen this before, and despite what the website said, the card still showed up and was usable. I attempted to search for the thread, but couldn't find it. 

I did find this older thread, which is very similar to what you experienced, but I think it could go either way. 

[FinStar]

I'd say wait for whatever shows up in your mailbox. IIRC, and although a very rare instance, it can go in either direction.

[Anonymous]

Thanks guys. I looked over those threads. I guess it can go either way, really. I called them just now, and as soon as I put in my last 4, the automated system immedately said "We see that you have a card that needs to be activated.." hmmm. I did not dare to speak with a CSR and hung up. Checked application status again and "Unfortunately, we are unable to approve your application at this time. In 7-10 days you'll get a letter from us explaining why." ... I guess it's just a waiting game now. I'll see if it shows up in my mailbox and update here. Thanks! Figners crossed!

[FinStar]

It sounds like you were approved based on the automated information you received when you called.

Assuming you get the card, activate it and works then it's likely some fluke may have occurred associated with what's stated on the letter (or the denial listed on the application status).

[Anonymous]

Happened to me 2 weeks ago. I called immediately and they confirmed approval and told me my SL. Card arrived about 1 week later. Seems to be a system glitch.

[Anonymous]

Wow thank you, ttulaw! Your response gave me some hope! 

[Anonymous]

I'm debating whether I should call discover and speak with the account manager regarding my application, however I do not have stellar credit and I don't want them to cancel out the application if this indeed is a mistake on their end. Arrghh! 

[DeeBee78]

---

@Anonymous wrote:

I'm debating whether I should call discover and speak with the account manager regarding my application, however I do not have stellar credit and I don't want them to cancel out the application if this indeed is a mistake on their end. Arrghh! 

---

I wouldn't rock the boat. Manual reviews can bring up a whole mess of things that the computer algorithm overlooked. I would wait it out. 

[Anonymous]

Ah too late. I just couldn't wait!  I just got off the phone with a CSR (account manager?) who was super nice and told me the card was sent out on the 22nd, she didn't mention anything about my application being denied!! I guess I'll wait for it in the mail and see if there are any surprises when it comes to activation! I really hope it's just a glitch! Thanks for all your help guys, this is a great community! I will update once I receive the card and (hopefully) activate it! \o/