discover platinum

Discussion in 'Credit Talk' started by pam, Nov 16, 2000.

  1. pam

    pam Guest

    I received a pre-approved offer for Discover Platinum. I applied by mail approximately 10 days ago. I called and spoke with CSR, she said no decision has been made yet. Does that mean I will be denied?
  2. dave

    dave Well-Known Member

    Depends on if the application has even been processed or not.

    If it HAS been processed: Discover uses a credit scoring model, as nearly all lenders do, and if you don't score high enough for automatic approval - either credit score or app. score - it may be forwarded to a credit analyst for further review.

    Of note, I applied online for my Chase card, and it took nearly thirty days to receive it.

Share This Page