They pulled equifax on me where I have 0 derogs and a 700 score...denied...sending a letter as to why...I don't get..what do you need to get discovered? I guess I'm getting a little greedy and credit happy...and to think a month ago I said I'd be happy to have at least 1 prime card LOL
Maybe...I don't have too many...who knows, I guess I'll have see their reason...anyone gotten discover lately...are they tough or what?
I don't know what their criteria is but they denied me also. I did have some derogs but they were in dispute and my score was over 650. Love applied with all of her derogs in dispute and got it. It doesn't make any sense. They told me when I have no derogs on my report I can reapply. They even count a late payment as derog. They are not worth my time and effort in the credit building process.
They give NEW CUSTOMERS 0.00% BT...I get 5.90% and 1.90%... They give NEW CUSTOMERS a "GO-TO" 12.99%...I get 13.74%... They are changing the CASH BACK PAY OUT... For Cardmembers who participate in the Cashback Bonus® Program, the award percentage applied to calculate the accrued Cashback Bonus award on the total qualified purchases at the end of each billing period is as follows: .25% (.0025), if the purchase is part of the first $1,500 in purchases during the anniversary year, or, if the purchases are made at select warehouse clubs or discount stores, and .50% (.0050), if the purchase is part of the second $1,500 in purchases during the anniversary year, and 1.0% (.01), if the purchase is part of the purchases in excess of $3,000 during the anniversary year All purchases made at BJ's Wholesale Club, Costco and Sam's Club including any purchases made at these warehouse clubs' Internet sites and Wal-Mart (including any Wal-Mart Internet sites) will accumulate a fixed rate of .25% (.0025). However, purchases made at gas stations at these warehouse club and discount store locations will not be subject to this fixed rate and will continue to accumulate a Cashback Bonus award of up to 1% based on your annual level and type of purchases. Please note: Costco has limited Discover Card acceptance. IT WAS... 0.25% for $1,000 0.50% next $1,000 0.75% next $1,000 1.00% everything else ALSO WAL*MART IS A WAREHOUSE CLUB NOW...0.25% MAX!!!
Don't feel bad. I just got denied last month for Discover. They pulled TU on which I had a 772 TU score. Reason was "too many new accounts with balances."
