DISCOVER MORE APPROVAL QUESTION

[Anonymous]

applied for discover more online and recieved a congratulations youve been approved pending further verification. has anyone received this message and then been denied during the "further verification '"  they gave me a number to call in the am but im nervous about calling because i dont want the embarassment of  being told it was a mistake. if i do get this card im closing my 2 hsbc cards (discover and BBMC) . what do they want when they say further verification? thanks in advance.

[DI]

Congrats!  They may just need to verify your mailing address.  It could be that it is different than what was reported and what is listed on your credit report.

[Anonymous]

What are your scores? any baddies?

[Anonymous]

hi, my tu is about 665-670, i have 2 old collections which were both paid several years ago. eq (here) and experian ( psecu) is about the same. i thought my scores would have to be much higher for approval.

[Anonymous]

When DW changed her name and address last year after we got married, Chase approved the app but put an anti-fraud/verification hold because the name didn't match the CRA files.

I think they accepted faxed docs for verification.

Anyway, its most likely an address or name match issue that can be corrected by faxing a few docs over.

EDIT: Added mention of address change as well.

[Jahmakan]

I received the same message when I applied for mine and received a call the next business day to "verify that it was actually me because of so much fraud", and then approval!! You'll be fine.

[Anonymous]

called discover yesterday, they just asked some general questions and i was APPROVED FOR 1500.00.  im so excited, thanks for all the support. im a worrier by nature.. if my feet and legs didnt hurt so bad  after 2 12 hour shift i would do the happy dance.

[Anonymous]

They are a good card to continue to grow with you. Glad worked out. Congrats!!

[Anonymous]

It's a good card. I mainly use mine for the 5% seasonal rewards and pay in full each month. The main rewards on the Discover are rather pitiful (0.25% for all other purchases until you've spent at least $3000 (before you eventually get the standard 1%). The caps on the 5% rewards are also ridiculously low. However, I like my online card access. Clear and simple! A good card to have in one's portfolio although probably not "the" best card out there.I think it's a more pedestrian version of the Amex Blue Cash. And I mean pedestrian rather as a compliment in this context (Amex's perceived "higher" status... blablabla). The APR on my Discover is horrid (18 or 19% if I remember). Not a good card to carry a balance on. But then, the purpose of rewards cards is to get rewards and not to have huge balances on them as they rarely offer great APRs.

Congratulations!