Discover is confusing me with app status

[jkfaria]

I actually apped for Discover Open Road HOPING to get the HSBC Discover so I could combine my Orchard Card CL with the new HSBC Discover.

I received the counter offer letter and called, and after a few questions the Rep told me, "Congratulations, I can approve you today for the Discover Open Road, $1000 CL, 3.99 til 1/10 and 18.99% after. 

I accepted, albeit a not so hot offer, but hey, my scores frankly didn't give me any chance at this card period (650-ish).  So I'm pretty happy to get my foot in the door with this Prime Card.:smileyhappy:

[Anonymous]

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@jkfaria wrote:

I actually apped for Discover Open Road HOPING to get the HSBC Discover so I could combine my Orchard Card CL with the new HSBC Discover.

I received the counter offer letter and called, and after a few questions the Rep told me, "Congratulations, I can approve you today for the Discover Open Road, $1000 CL, 3.99 til 1/10 and 18.99% after. 

I accepted, albeit a not so hot offer, but hey, my scores frankly didn't give me any chance at this card period (650-ish).  So I'm pretty happy to get my foot in the door with this Prime Card.:smileyhappy:

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And happy you should be! Congrats on your approval!

[Anonymous]

Got my card.  It's a Discover More issued by Discover, not HSBC.  Gave me $2000CL with $1000 cash limit and 18.99% APR purchase rate (promo 3.99% till 01/2010).

Not sure what the original counter offer was for, or if they just changed their mind.

[DI]

Look for that new Discover card to appear on your credit reports before you received the card in the mail.

[Anonymous]

Nope, hasn't shown in CR's yet (checked CCT).

I called Discover to activate and asked which card this was.  They said MORE and enrolled me in the 5% cash back program.  Right now is Gas & something else.

I asked if this was a Discover issued account or issued by another bank, she said this card is issued by Discover Financial Services.

Yeah!  I was afraid I was getting the HSBC.

[Anonymous]

OOPS.  Experian just popped up DISCOVER FIN SVS.

So I spoke too soon.  Got my card today and it hit my CR today.

Wow, they like to tell the world quick, don't they!

[DI]

LOL, they are very quick Angel73.  I hope they do the same when they report balances.

[Anonymous]

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@Anonymous wrote:

Got my card.  It's a Discover More issued by Discover, not HSBC.  Gave me $2000CL with $1000 cash limit and 18.99% APR purchase rate (promo 3.99% till 01/2010).

Not sure what the original counter offer was for, or if they just changed their mind.

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Congrats! 

Your approval was threshold. 18.99% is the highest APR Discover is currently assigning to new accounts. Consider yourself very fortunate - a true Discover card is far better than the cobranded HSBC Discover Card.

If you faithfully pay your account on time and otherwise maintain your credit that APR can come down. Mine started at 11.99% and is now 9.99%.

You will find Discover to be a very prompt reporter. I am surprised your new card did not report before you received it. Most do.

Message Edited by creditwherecreditisdue on 08-06-2009 04:51 PM

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Got my card.  It's a Discover More issued by Discover, not HSBC.  Gave me $2000CL with $1000 cash limit and 18.99% APR purchase rate (promo 3.99% till 01/2010).

Not sure what the original counter offer was for, or if they just changed their mind.

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Congrats! 

Your approval was threshold. 18.99% is the highest APR Discover is currently assigning to new accounts. Consider yourself very fortunate - a true Discover card is far better than the cobranded HSBC Discover Card.

If you faithfully pay your account on time and otherwise maintain your credit that APR can come down. Mine started at 11.99% and is now 9.99%.

You will find Discover to be a very prompt reporter. I am surprised your new card did not report before you received it. Most do.

Message Edited by creditwherecreditisdue on 08-06-2009 04:51 PM

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Yes I will treat it right.  I'm just confused what the whole "we can't approve you for the card applied" was about???  I applied for the MORE card and got the MORE card after they told me I didn't qualify and would receive a counter offer card.

Oh well, I'm just glad this is how it turned out and I didn't get the HSBC card.  I still have my Orchard (oldest open account now) and I wanted the Prime Discover from discover, not a subprime HSBC.