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DAP Forums > DREAM Act > The Lounge

Discover it Credit Card

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#1
03-15-2014, 11:37 PM
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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.
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#2
03-16-2014, 01:30 AM
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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.
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#3
03-16-2014, 09:52 AM
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If you need a referral, pm me ur email address and name! Good chances of being approved!
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#4
03-16-2014, 11:27 AM
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Quote:
Originally Posted by 2Face View Post
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. ...
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>>Priority Date - 04-18-17 >>I-130 approved 12-26-17 >>Application for AOS sent : 08-17-17 >>Biometrics completed 9-11-17 >> Interview scheduled notice 12-28-18 >> Interview day 02-06-19 >> Case status update 02-12-19 "Card is in production"
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#5
03-16-2014, 12:18 PM
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Quote:
Originally Posted by beto2287 View Post
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
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#6
03-16-2014, 12:19 PM
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Quote:
Originally Posted by 2Face View Post
If you need a referral, pm me ur email address and name! Good chances of being approved!
Are you a current customer for discover ?
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#7
03-16-2014, 02:35 PM
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Quote:
Originally Posted by jays_2308 View Post
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.
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#8
03-16-2014, 10:17 PM
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Quote:
Originally Posted by jays_2308 View Post
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
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!
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#9
03-16-2014, 10:20 PM
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Quote:
Originally Posted by swiftp View Post
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.
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.
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#10
03-16-2014, 11:02 PM
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Quote:
Originally Posted by 2Face View Post
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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>>Priority Date - 04-18-17 >>I-130 approved 12-26-17 >>Application for AOS sent : 08-17-17 >>Biometrics completed 9-11-17 >> Interview scheduled notice 12-28-18 >> Interview day 02-06-19 >> Case status update 02-12-19 "Card is in production"
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