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What does this typically mean?

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creditwatcher2012
Frequent Contributor

What does this typically mean?

Thank you.

Your Application is Being Processed
We have received your application but need to perform additional processing before we can provide you with a decision.
Within 5-7 days we will send you more information at the address provided on your application.
Your reference number is: xxxxxxxxxxx
You can check the status of your application any time at discover.com/checkstatus.
We thank you for choosing Discover Card.
Message 1 of 19
18 REPLIES 18
Anonymous
Not applicable

Re: What does this typically mean?

Usually declined, but not always. I would probably call tomorrow. I'm not familiar with discover recon and how easy it is with them. 

Message 2 of 19
Anonymous
Not applicable

Re: What does this typically mean?

im my personal experience that message was not a decline. i thought it was possibly due to my 60 inqs on each bureau, but when i called in to check on my status, the cs rep told me she was transferring me to a senior analyst. i for sure thought it was gonna be about my inqs. when she got on the phone she verified my income and mailing address and told me congrats and welcome to discover Smiley Wink.
Message 3 of 19
creditwatcher2012
Frequent Contributor

Re: What does this typically mean?

Ok thank you, I surely hope it's not a decline in the past I have gotten messages somewhere along thease lines but it always was declinedx this one seams a little different, hopefully I get approved! I'll keep you guys posted,
Message 4 of 19
Credit-hoarder
Valued Contributor

Re: What does this typically mean?

I got the same message and called the number to "expedite processing". I was asked about my baddies, then told I can't quality for the 0% intro. rate but I could be approved at a higher annual rate. Then she asked if I would be interested in that and I was like "h**l yeah!" (j/k). Then she told me "Welcome to Discover" also. So it's not necessarily a denial.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 5 of 19
navigatethis12
Valued Contributor

Re: What does this typically mean?

I'm not sure why everyone always thinks these messages mean a decline. They just mean that the computer couldn't give a decision so a human has to look at it.

Message 6 of 19
lg8302ch
Senior Contributor

Re: What does this typically mean?

Got the same message - approved but with a low credit line Smiley Happy   -- Discover just needed additional verification in my case -- call and good luck !

Message 7 of 19
09Lexie
Moderator Emerita

Re: What does this typically mean?

^^ exactly. My DH received this message due to a FA, called verified his info and he was approved. Just give them a call tomorrow.
Message 8 of 19
enharu
Super Contributor

Re: What does this typically mean?


@navigatethis12 wrote:

I'm not sure why everyone always thinks these messages mean a decline. They just mean that the computer couldn't give a decision so a human has to look at it.


+1.

 

It may also be that they need to verify your identity.

 

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Message 9 of 19
Anonymous
Not applicable

Re: What does this typically mean?


@navigatethis12 wrote:

I'm not sure why everyone always thinks these messages mean a decline. They just mean that the computer couldn't give a decision so a human has to look at it.


Every credit card that I havent been instantly approved or instantly declined has always been a decline. I havent had many but ive also read multiple people on here say most of them are declines. But I dont know about discover. I was instantly approved for discover and what ive read from other people may have been for amex, chase, ect. I'm not saying all of them are declines because I know thats not true but with all credit card companies I feel its safe to say the majority of the time its a decline. But hopefully this time it is NOT a decline Smiley Wink

Message 10 of 19
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