I want another card , discover declined, cap1?

[Anonymous]

I just got declined from DIscover IT card. BOFA upgraded my old card to a cash rewards so I'm really happy about that. I want another credit card to help build payment history since I don't have any. Think I have a chance at a Capital one card? Which one is easiest from them? ( I heard journey is ) . 

[Anonymous]

Do you have the reasons for the Discover decline?  That can help determine likelihood of getting Cap One or another card.

Are you a student?  I thought Cap One Journey was for students

[azguy13]

I have had the Cap1 Platinum for years but just got it PC'd to the Quicksilver. I havent had any issues with Cap1 other than having to pry them open for a CLI. Cap1 makes a lot of its business in sub-prime cards. The problem with that is they like to start with very low CL's. If I were you I would start with the Journey(if a student)  or Platinum and PC the card to the venture or Quicksilver in a year. 

If you have issues getting approved or a CLI or any other issues with Cap1, message their facebook and they will send up the complaint/question to their EO. I have yet to talk to someone who got fully denied what they wanted while going through their facebook page.

Good luck to you and keep us updated. 

[Anonymous]

Welcome to the forum! Sorry for the decline but in order to help with your question-do you mind sharing your credit?

[myjourney]

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@rosunnara wrote:

I just got declined from DIscover IT card. BOFA upgraded my old card to a cash rewards so I'm really happy about that. I want another credit card to help build payment history since I don't have any. Think I have a chance at a Capital one card? Which one is easiest from them? ( I heard journey is ) . 

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Welcome to the forum

In order to help you better we will need a little more info if you don't mind sharing

How many cards do you currently have?

How long have you had the cards?

What is your AAoA?

What are your scores?

Do you have any baddies?

How many INQ's in the last year?

Thank you

[mikey78]

BOFA upgraded your old CC to cash rewards card?? **bleep**.. I mean great for you but they told me to apply for the cash rewards and they can convert everything to the new card and when i called they said they can't convert the history to the new card and they'll do a hard pull to transfer the 500  Cl to my new card
after speaking with the supervisor she said the same thing but made up for it for a CLI to 5000

[Creditaddict]

773 Fico but decline Discover?? Did you call and speak to someone?

why no CLI on Bank of America?

I would try the pre-qual on Citcards.com Chase.com and see if anything is offered to you before applying for more... capital one has a good pre-qual. too.... why cold apply for places you can get a possible warm welcome too!

[mikey78]

Try Discover Recon
PS welcome to the forum and let us know how it turns out

[Anonymous]

Based on OPs siggy, her BoA was never used. CS does not tell the whole story. If there isn't a pyt history on rev cc most lenders will take a pass.

[myjourney]

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@Anonymous wrote:
Based on OPs siggy, her BoA was never used. CS does not tell the whole story. If there isn't a pyt history on rev cc most lenders will take a pass.

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That's what I saw too Lexie just student loans 

also wondering if scores are recent