"Waiting For Processing..Approved 3 Hours Later"
Discover® Motiva Card Review
Written by: pantheranubis on 2011-07-18
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pantheranubis's review: 
That is what happened. i thought i was going to get denied. Applied for AMEX Skymiles this morning and instant DENIAL. EQ 665, EXP 635. Discover said it needed more time then i got a phone call and after answering a few questions I got an approval.
I figured since AMEX denied me, than Discover was sure to follow. Ive heard that Discover's approval process is twitchy..and that it's hard to get, but I was pleasantly surprised..
Now I'm waiting in CITI. they said the same when i appiled (waiting for additional processing) i hope an approval is on the way. If i get CITI too then i'll have 3 CC's and i'm done. I had only a CAP1 card to start. I got it to get my foot in the door to getting a better CC.
FYI - I have a few hard inq's, but no BK and 2 old payed off bills on my credit rep still showing as a negative.
That is what happened. i thought i was going to get denied. Applied for AMEX Skymiles this morning and instant DENIAL. EQ 665, EXP 635. Discover said it needed more time then i got a phone call and after answering a few questions I got an approval. I figured since AMEX denied me, than Discover was sure to follow. Ive heard that Discover's approval process is twitchy..and that it's hard to get, but I was pleasantly surprised..
Now I'm waiting in CITI. they said the same when i appiled (waiting for additional processing) i hope an approval is on the way. If i get CITI too then i'll have 3 CC's and i'm done. I had only a CAP1 card to start. I got it to get my foot in the door to getting a better CC.
FYI - I have a few hard inq's, but no BK and 2 old payed off bills on my credit rep still showing as a negative.
3 Comments
Comment 1 by wanderer
Re: Waiting For Processing..Approved 3 Hours Later 
on 2011-07-22
Let us know the outcome. Others may benefit from your findings.
on 2011-07-22 Let us know the outcome. Others may benefit from your findings.
Comment 2 by pantheranubis
Re: Waiting For Processing..Approved 3 Hours Later on 2012-02-15
Was DENIED by Citi. said i had too many inq's. Discover worked out great. Customer service is good and no problems. I was not going to get any more crds but yesterday got a approved in store for a card from GAP. I only did it to make a purchase. Now besides Cap 1 i have 4 cards and no more apps for a long time. im going to let these cards mature into higher CLs.
on 2012-02-15 Was DENIED by Citi. said i had too many inq's. Discover worked out great. Customer service is good and no problems. I was not going to get any more crds but yesterday got a approved in store for a card from GAP. I only did it to make a purchase. Now besides Cap 1 i have 4 cards and no more apps for a long time. im going to let these cards mature into higher CLs.
Comment 3 by pantheranubis
Re: Waiting For Processing..Approved 3 Hours Later on 2012-07-02
I was ultimately DENIED by CITI for having too many inq's. So with the Disc, Cap1 and Best Buy Mastercard i was done. Until I decided on getting ONE store card at GAP. got approved at 500 initial CL.
..Update 3 weeks ago i requested a CLI since i always pay my cc bills on time. I never pay the balance off, I carry a balance. Discover called me late last week and after going over some inquiries, they gave me a CLI. Discover has definately been the best of all 4 cards.
And with the last card, GAP i got last year I'm satisfied with these 4 cc's. Giving my credit inquiries two years to fall off and clear out. I'm going to sit back and let these mature.
on 2012-07-02 I was ultimately DENIED by CITI for having too many inq's. So with the Disc, Cap1 and Best Buy Mastercard i was done. Until I decided on getting ONE store card at GAP. got approved at 500 initial CL. ..Update 3 weeks ago i requested a CLI since i always pay my cc bills on time. I never pay the balance off, I carry a balance. Discover called me late last week and after going over some inquiries, they gave me a CLI. Discover has definately been the best of all 4 cards.
And with the last card, GAP i got last year I'm satisfied with these 4 cc's. Giving my credit inquiries two years to fall off and clear out. I'm going to sit back and let these mature.
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Disclaimer: This content is not provided by Discover Card. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover Card. Review content is powered by Finance Globe.
