DREAM Act Portal Forum - Discover it Credit Card

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- - Discover it Credit Card (http://dreamact.info/forum/showthread.php?t=67017)

Dreamer12

03-15-2014 11:37 PM

Discover it Credit Card

Has anyone gotten approved for a discover it credit card. If so what income and employment information did you put? i applied by phone and was told i needed to call back in 72 hours. Sounds like i got denied.

beto2287

03-16-2014 01:30 AM

Re: Discover it Credit Card

I did, applied last week online, received my card today. I put my current info. This was my second credit card, the first was a capital one.

2Face

03-16-2014 09:52 AM

Re: Discover it Credit Card

If you need a referral, pm me ur email address and name! Good chances of being approved!

jays_2308

03-16-2014 11:27 AM

Re: Discover it Credit Card

Quote:

Originally Posted by 2Face (Post 527272)

If you need a referral, pm me ur email address and name! Good chances of being approved!

Why do you keep saying this ??? A credit decision is not based on YOUR referral. It's based on creditworthiness, and individual circumstances. The only thing you are looking for is the incentive. ...

Dreamer12

03-16-2014 12:18 PM

Re: Discover it Credit Card

Quote:

Originally Posted by beto2287 (Post 527269)

I did, applied last week online, received my card today. I put my current info. This was my second credit card, the first was a capital one.

Did you get an immediate response ? Or did you have to wait a couple of days to get a decision

Dreamer12

03-16-2014 12:19 PM

Re: Discover it Credit Card

Quote:

Originally Posted by 2Face (Post 527272)

If you need a referral, pm me ur email address and name! Good chances of being approved!

Are you a current customer for discover ?

swiftp

03-16-2014 02:35 PM

Re: Discover it Credit Card

Quote:

Originally Posted by jays_2308 (Post 527274)

Why do you keep saying this ??? A credit decision is not based on YOUR referral. It's based on creditworthiness, and individual circumstances. The only thing you are looking for is the incentive. ...

I have to agree with jays. It's ok to note that your referral may have incentive to both you and the person using it (e.g., I think some banks give $50 to both parties) but I'd like to see evidence to the claim that a referral link will have an effect on their decision to give people a credit card.

2Face

03-16-2014 10:17 PM

Re: Discover it Credit Card

Quote:

Originally Posted by jays_2308 (Post 527274)

Why do you keep saying this ??? A credit decision is not based on YOUR referral. It's based on creditworthiness, and individual circumstances. The only thing you are looking for is the incentive. ...

Of course I want the incentive :mrgreen:
And who told you the referral especially from someone with superior credit doesn't SLIGHTLY affect the credit decision? Are you a credit analyst? And the person who gets approved also gets a matching incentive so hit me up!

2Face

03-16-2014 10:20 PM

Re: Discover it Credit Card

Quote:

Originally Posted by swiftp (Post 527285)

I definitely know it has a slight effect..not that big of an effect but definitely a small one. But overall it is your own credit history and credit worthiness that will decide whether you get the card or not, no question about that.

jays_2308

03-16-2014 11:02 PM

Re: Discover it Credit Card

Quote:

Originally Posted by 2Face (Post 527315)

Are you a credit analyst?

Yes, I am.

It's ok if you want the incentive, just dont mislead people. The only way your referral would have an impact on a person's application, is if, you co-apply.

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