So my Saga begins...
I had to get a new dishwasher, so I got a Lowes Charge. Instant approval. 🎉 $4000 limit, fine
I logged in to Chase CreditJourney and was pre-approved for $19,000 SL, so I used the invite from my wife (it didn't appear to work) and I accepted.
My application was put on hold, likely because of my credit freezes.
I lifted my credit freezes.
I pre--qualified Discover, approved, well...
I applied at Discover... Hard Pull (Experian)... Additional Verification Required. (Ahh)
I called Chase, I did their ID verification (I had to give them permission to hard pull my credit, at least they told me it was Experian), approved.
I called Discover, did the ID verification that they asked for, approved.
I wanted to use the Discovercard over the weekend and the transaction was flagged. I had to confirm that the card was not stolen, it was a legit charge and the AU was legit.
That was 8/2, this morning (8/17), I got a call for Discover telling me that I needed to call in before the end of month (they didn't mention that the card was frozen I found that out AFTER I straightened everything out). They didn't want to tell me why, but I pushed and they told me.
I called the number on the card and they texted me a link. I tried scanning in my license with my phone and taking a selfie. The program said it was accepted, but the ID verification failed. The sent the link again (YOU ONLY GET TWO CHANCES) and hung up. I clicked the link, took new license photos, and went to take the selfie (it told me to "get closer", this time I didn't). I called DiscoverCard AGAIN, they tried (for a while) and couldn't find. So, they sent it again (apparently account managers can override the 2 attempt rule if THEY lose the verification).
So, they stayed on the phone while I scanned my ID (front and back; dark background; bright, but no shadows or light obstructing anything) and then went into a bright room for the selfie (in the smaller box, include your neck; your shoulders should be visible overall; it will tell you to "move closer", IGNORE THAT)
ID verification accepted!
I had to confirm that I added an AU for the 3rd time, but (I think) everything is good now🎉
1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
