Money Tips: Denied for Pre-Approved Credit Card Offer
Written by carnold
Posted On: May 14, 2007
Guest: hesiden
Credit Expert (100+ Posts)
Post subject: Denied for Pre-Approved Credit Card Offer
Posted: Mon May 14, 2007 1:47 pm
Lucky7 wrote:
Oh, I realize it’s only pre-approved to apply, I’m just confused because they just denied me. I don’ t know whether to let it go, call them, or what? I don’t know why they put “pre-approved” on the envelopes. We all know that they’re not. (sigh)
You get pre-approved offers from your credit profile a month or two back while you are denied off a recent hard credit pull.
If you want to fight it, call Discover and ask for reconsideration from your existing application. Don’t try to apply again.
CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Mon May 14, 2007 1:52 pm
“IF” you really want a DISCOVER…
Go get WALMART–DISCOVER
or
SAMS–DISCOVER
CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!
Guest: Lucky7
Posted: Mon May 14, 2007 1:53 pm
Thanks for the advice. I may call them—not sure yet. I do want a discover card, but it kind of irritates me that they were the only ones to deny me too. And it’s especially irritating to get a pre-approved offer so soon after the denial. How could amex give me 15,000 and discover decline and they both used ex to pull from?
_________________
There is no try—-do or do not.
CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!
Labels: credit card application denied
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Curtis Arnold, a nationally recognized consumer educator and advocate, has been educating consumers about credit cards since 1998. Curtis is the author of "How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line" (FT Press, 2008). He is also the co-author of the upcoming Complete Idiot's Guide to Person-to-Person Lending (Alpha Books/Pengiun Group USA, April 2009), a contribitor to The Ultimate Allowance (InnerWealth Publishing, 2008) and is extensively featured in 42 RulesTM for Driving Success With Books (Super Star Press, January 2009).
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