Got rejected

[DCP883]

Just tried to apply for a discover card and got rejected. My fico is 631 and my experian score is a 641. I have a capital one platinum with a $1300 limit and have not been late in two years, plus a card loan for $22000 that is also on time.

[Anonymous]

631 is low (IMO) for Discover. YMMV

[LS2982]

Recon it 888 676 3695

[DCP883]

I was only trying to get more credit as the capital one is below the $2000 limit which is more acceptable range. I make over $100,000 and figured the discover card was an easy card to get.

Question: Will this application go on my credit as a hard inquiry? 

[DCP883]

Recon it?

[Anonymous]

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@DCP883 wrote:

Recon it?

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Speak to underwriting and ask them to reconsider the application. It gives you a chance to potentially explain whatever concerns they had which resulted in the denial and potentially have it approved.

[myjourney]

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@LS2982 wrote:
Recon it 888 676 3695

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+1

[DCP883]

I will give it a try.  Thanks!

[dodgerslv]

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@DCP883 wrote:

I was only trying to get more credit as the capital one is below the $2000 limit which is more acceptable range. I make over $100,000 and figured the discover card was an easy card to get.

Question: Will this application go on my credit as a hard inquiry? 

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yes it will. Doesnt hurt to recon your application with them. I also would suggest if Cap1 is the only revolving credit you have and with your scores try with a local CU or open a secured CC with a bank (US Bank, BofA) for an amount over 2000. You can also try to get in with GE Bank (Walmart, Amazon, JC Penny to name a few). They are generous with CLI.

[CopperHD]

In the past when i had both a paid and unpaid Chargeoff on my reports discover rejected me twice for that specific reason, do you have any negatives that would be a reason for them to decline you?  I tried to recon with them in the past and had no luck but YMMV, a recon can't hurt the worst thing they can do is say no again.