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Since you can now apply for the secured directly, does anyone know if they'll still counter with the secured card if you don't qualify for the unsecured?
Thanks.
I apped for the unsecured Discover IT and was denied. I was not offered the secured at the time. I called recon to see if they would offer the secured on the same HP. The CSR told me I would have to app seperately for the secured, so I went online and apped directly for the secured and was approved. Now I am waiting for 1 year to roll around so I can hopefully graduate.
Was it a single hard pull or one for each app? Thanks so much for the info!
@creditguy wrote:
Just an FYI the way they used to counter was if you applied for the student it and were declined. I never heard of anyone getting a counter after being declined for the standard it.
Actually when I applied for a Discover IT card last year, I was declined and was offered the secured card. I did not apply for a Student card. I accepted the offer and my ccard just graduated this month. Also when I applied, they were not offering the secured card on their site yet.
@CountryLivin wrote:
@creditguy wrote:
Just an FYI the way they used to counter was if you applied for the student it and were declined. I never heard of anyone getting a counter after being declined for the standard it.Actually when I applied for a Discover IT card last year, I was declined and was offered the secured card. I did not apply for a Student card. I accepted the offer and my ccard just graduated this month. Also when I applied, they were not offering the secured card on their site yet.
That may have changed since I think the full secured product (able to apply for it directly) was only released mid-Januaryish. Now it might be utterly seperate, though BOFA traditionally has had their partially secured card so Discover might still be doing something similar.
When I applied for the DiscoverIT card about 6 months ago, I was declined but offered the secured card instead. I didn't accept it though. I applied again the other day and I was approved for an unsecured it card.
@Anonymous wrote:Was it a single hard pull or one for each app? Thanks so much for the info!
The CSR told me it would be two HP's but I haven't looked at my report to confirm. The two HP's were worth it to me. I'm rebuilding and won't be taking any more HP's while I let the cards I got over the past few months age and I work on getting a CO deleted. I just want to get my file on the up and up so Discover will graduate my card.