Lengthy credit decision?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
7 posts
Obi-dan
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Posts: 190
Joined: Fri Aug 02, 2013 2:35 pm
Location: Houston, TX

Lengthy credit decision?

Postby Obi-dan » Sun Aug 25, 2013 4:30 pm

Quick question. My wife applied for the Discover IT card. She has a plus 800 Fico and a credit utilization of under 20% and a AAoA of plus 7 years. Has one card, car, mortgage, etc. in good job for 13 years. Why would they say they need 5-6 days for a decision?
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)


RewardHop
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Location: USA

Postby RewardHop » Sun Aug 25, 2013 4:43 pm

No better answer but to call them and ask. Their backdoor/recon number is on here: http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

Obi-dan
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Posts: 190
Joined: Fri Aug 02, 2013 2:35 pm
Location: Houston, TX

Postby Obi-dan » Sun Aug 25, 2013 8:31 pm

I'll try this number and see if I can get an answer. The person I spoke with this morning on regular mumber said it would take a few days to see the status.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

mdl28
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Joined: Thu Mar 21, 2013 10:18 pm
Location: TX

Postby mdl28 » Tue Aug 27, 2013 1:02 am

Because its Discover, that's why. If approved, get used to these odd ways of logic from them.
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

hockeyplayr
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Location: United States

Postby hockeyplayr » Sat Aug 31, 2013 11:10 am

I'd call. I work part time and was instantly approved for 4k so this makes no sense
Credit Scores: Equifax - 736 (October Fico) | Experian 726 (October Fico) | TU - 758 (October Fico)

Credit Lines: Diners Club 20k | Citi DC 9.1k | SDFCU 5k | Penfed 7k | Amex BCE - 10.5k | Chase Marriot - 5.2k | CSP - 6.5k |Discover IT - 9k | Sallie Mae 3.8k | Citi TYP - 3.5k | BOA 123 - 4.9k | Total Rewards 3.25k|

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otter
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Location: Grand Forks, ND

Postby otter » Thu Sep 05, 2013 7:43 pm

I got the same message when I applied, but I noticed on the same page there was a message about "expediting the process" by calling. I called, they made me confirm a few things, asked why I wanted the card (5% cash back on gas now, 5% cash back next quarter for online purchases) and they approved me.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Obi-dan
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Posts: 190
Joined: Fri Aug 02, 2013 2:35 pm
Location: Houston, TX

Postby Obi-dan » Fri Sep 06, 2013 9:57 pm

SO my wife called the next day (which was Sunday, she applied on Saturday eve) and the CSR said they couldn't even see the application in the system until Monday. That Monday she got approved. I guess analysts don't work weekends.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)



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