I give up Discover!

[jim44]

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@Creditaddict wrote:

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@Anonymous wrote:

Did you ask why you were denied when you called?

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no, ill wait for letter and then maybe call but I find the computer system pretty much the end all be all with discover credit decisions.

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CA, Doesn't Discover send out a robo denial letter.  I was denied a few months back and called after I received the letter.  The CA went into detail above and beyond what the denial letter reason(s) was.  Same with Chase, in fact the CA asked me a few questions about my current revolving accts, employment etc.

[barbaralee]

Discover declined me over and over. I finally applied for the card (a 3rd time) with the intention to recon the denial when I got it. 3x a charm, they ended up approving me the last time, lol.

[jamesdwi]

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@Creditaddict wrote:

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@Desmoire wrote:

Are they one of the tougher companies to get a CC?

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not for some!

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maybe they are INQ sensitive when you have more than 50 INQ's and a dozen new TL's yes i'm probably understading your addiction 

[ddemari]

Discover is the only card i cannot obtain. Im in the garden for a year and feel like i can get in then. Fico simulator has me at 760 in 6 months, and then 766 in 12 months.

[fedxboy]

I just got my Discover IT in June 2014 after several failed attempts with them pulling TU once a year..  In June, they pulled EQ, although they were hounding me with pre-selected apps and SP's on EQ.  They gave me 3500 with 0% for 14 months and then a rate of 14.99%.

After the third statement, they've opened up or allowed me to ask for a CLI.  No thanks, not for another HP!

[Anonymous]

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@fedxboy wrote:

I just got my Discover IT in June 2014 after several failed attempts with them pulling TU once a year..  In June, they pulled EQ, although they were hounding me with pre-selected apps and SP's on EQ.  They gave me 3500 with 0% for 14 months and then a rate of 14.99%.

After the third statement, they've opened up or allowed me to ask for a CLI.  No thanks, not for another HP!

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Are you referring to doing it by the LUV button? The system will let you know if it requires a HP. Then you can either continue or back out. If it doesn't prompt  you, then it most likely did a SP. At least that's been my experience.

[fedxboy]

Oh, I didn't know that.....thank you!!     Yeah, I was referring to the love button, since the phone menu doesn't offer any CLI option

[destine2grow]

Discover always want me to do a joint app. I want one of my own. I haven't tried in about 2 months. I will wait until the summer of 2015

[Scupra]

Same boat CA! At least you got them to pull something else, they flat out refused to pull anything but EQ for me! Now when I see their commercials I change it in fury! hahaha

[1GaDawg85]

they won't even consider me at all.....instant denial