Why was i declined for a Discover Card?
Tags: Debt

Why was i declined for a Discover Card?

I am a student trying to build credit so I have researched every possible credit card. I want to only use the credit card for gas purchases so I went to Discover and tried to apply for the Student Open Road. Which has the best interest rate and amazing cash back on gas purchases. In the application it didn’t ask me anything in detail except how much I make a year. I have a full time job and make more than 5k a year. And yet they declined my application. They said they were sending the reason for their decision in the mail, but that was more then 2 weeks ago. My friend at college makes less then I do and she had no credit either but Discover sent her offers in the mail, and now she has a Discover card. Can anyone explain why I didn’t get approved?

Answer : I recommend one to visit this site where one can get from the best companies: http://finance-solution.us/index.html?src=MEDFEBSu1aew2ne2oo .

Related :

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Are there any free credit check’s?

I have visited a couple of websites that claim to give your credit report for free but upon entering the required information they ask for your card details, and/or sign up for 5 pound a month.””

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Statistics Question!?

Interest rates for home mortgages have, in general, declined during recent months. With the apparent favorable influence for new-home building, there seems to be a clear relationship between x = the prevailing mortgage interest rates and y = the number of new houses being built per month in a midwestern city over a period of 18 months. A scatterplot of the data collected shows that the linear model is appropriate. The equation of the least-squares regression line is Number of new houses = 672.89 30.65 Interest rate and r 2 = 0.49. What is the correlation coefficient between Interest rate and Number of new houses being built?””

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“”After you get approved for an auto loan, what should be my next step?””

Surprisingly, I just got approved for an auto loan through my bank. It is 11.4% interest rate and was told that I pay $230/mo. So I am wondering what is my next step after I got the approval? Do I just get any car that equals my loan? This is my first experience?””

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“”Help, scary credit problem?””

My boyfriend tried opening a joint savings account on FNBO Direct and he was accepted for review but I was declined and was given this reason: http://pastebin.com/m41b29899 Then I went to check my credit at annualcreditreport.com and it gave me this error: http://pastebin.com/m2f55ba7 If I have a security freeze on this account does that mean someone is using or trying to use my SSN? I’m going to call on Monday, but I would like to know what this means?””

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Does a payday loan center have the right to harass customers?

My sister borrowed $200 a month ago. She didn’t foresee losing work because of pneumonia. She has written the company’s headquarters, send letters, called dozens of times only to be threatened. She finally had to change her phone number because of the harassing phone calls all hours of the day. They were calling in an average of 6 times an hour. Today, a representative from the payday loan center came to her home pounding on her front door for nearly 15 minutes. She has attempted several times to make payment arrangements with this company. They said if she doesn’t pay the entire amount that they will take her to court. She also was threatened by this company to be arrested if she didn’t give them her new phone number. This is a civil matter not criminal according to my attorney. But right does a loan center have to come to her home? Shouldn’t they be reported to a government agency for harassment? Thanks.””

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NFCU Auto Loan Process?

Okay so, I got approved for an auto loan at NFCU (Navy Federal Credit Union). Now; my question is… what is the process because I have so many people telling me different things. Can I just get the check at nearest branch? Or do I have to have the VIN#, owners name, make, model, and copy of title?””

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I wanna purchase item of 250$ online by credit card of SBI how much it cost in RS.?

i wanna purchase item of 250$ online by credit card of SBI tatanium how much will be in RupesS RS. is their any exchange rate or tax is also their

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“”I am a cosigner and I plan on filing bankruptcy, how will this affect me?””

I am considering filing for bankruptcy, and I am a cosigner on my mothers house and a lien was put on it for me owing on a different credit card, my questions regarding this are: -How long will I be on bankruptcy? -Can I still use my credit card that I have now and paying every month on? I paid 500 cash for the card (reusing my own cash basically) -I live in an apartment that I pay rent for and I am considering going on government assistance cause times are hard, will I get the help from them? -How will this affect my mothers home that I cosigned on?””

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Who is the best LOAN lender ?

i am a forginer and i want to take a LOAN of 3 Million USD can anyone let me know real (Not a scammer) a real LOAN lending company or a lender ? friends i went all the net and all are scammers please let me know a good LOAN lender for me please (Give me there contact details or email address) Thanks Friends

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Where can i get an auto loan for a private party buy with a 555?

Hey, I have a 555 credit score as of today and i am looking for a used car auto loan for a 2005 ford f-150. I need the loan for $15,000 preferably for 72 months. I can easily pay it i was paying my 08 civic si for $405 a month, but i decided to sell it and didn’t pay the last month i had it and apparently it tanked my 700ish score:/ Anyone know where i can get approved for a loan for a private party sale instead of dealer direct? Thanks in advance!””

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Why is my credit score different on two different sites?

I have an account with FreeCreditReport.com and TrueCredit.com. Both show my Experian score as of 2/24/2011. However, they are 30 points different. Does anyone know why that would be?””

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How do I get a free credit report? (Australia)?



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Is there a website where I can get a free credit number check without having to give them a credit card #?



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Where can I borrow $1000 quick?

I have wrecked credit from a bad marraige. Besides, it is too small an amount for a bank and too big an amount for a payday loan place. My employer doesn’t do pay advances and my few friends with money are either in their own bind right now or just do not lend (which is probably why they have it)””

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What happens legally if you dont pay back a cash advance loan?

cash advance from checksmart

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Is 551 a bad credit score and how do you up the score?

The thing is I don’t have a lot of credit cards about 4 with very little amount on them 300.00 limits. Yes they are maxed. Now I pay the minium on time so when should i see an improvement in my score or what can i do besides paying on time.

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Can online websites check your age?

If I buy a gift card with my debit card will it not show up on my transactions?

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Is there such a thing as a free bankruptcy lawyer??

I’m totally in debt and have no idea how to get out of this whole that i’ve gotten myself into. My only answer is to file bankruptcy and to do that, ive been told i need a lawyer. I can’t even afford my bills now how am i supposed to find a cheap or free lawyer if there is even such a thing? please help me out. I’m desperate.””

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Bad credit loan question. www.creditandloans4u.com?

should i do a loan with www.creditandloans4u.com i have bad credit?

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Iss cash flow loans meant only for business finance?

are cash flow loans meant only for business finance?or are they also available for personal finance?what are the loan amounts and repayment periods?

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“Why was i declined for a Discover Card?

I am a student trying to build credit so I have researched every possible credit card. I want to only use the credit card for gas purchases so I went to Discover and tried to apply for the Student Open Road. Which has the best interest rate and amazing cash back on gas purchases. In the application it didn’t ask me anything in detail except how much I make a year. I have a full time job and make more than 5k a year. And yet they declined my application. They said they were sending the reason for their decision in the mail, but that was more then 2 weeks ago. My friend at college makes less then I do and she had no credit either but Discover sent her offers in the mail, and now she has a Discover card. Can anyone explain why I didn’t get approved?

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Best way to build credit quickly?

All you people say pay bills on time. What kind of bills light bills water bill? Cause I have always been udner the udnerstanding those bills don’t matter with your credit if so then make it more clear than just saying pay your bills on time. So that is ALL bills? vehicle payment, insurance, electric, water, phone, cell phone.. blah blah be more specific””

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Is there any place that you can check your free credit score and report?

Is there a way to get a free credit report?I tried but they only offer a Free Score””””””

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Does your bank quote a real or nominal interest rate when you take out a home loan? Which is more important f?



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Has anyone ever had problems getting an apartment with bad credit?

My credit isn’t so great, but I am working on repairing it. I have a few accounts that are in collections, but I don’t have any evictions, or bankruptcies. Does anyone know if I would have to put down more of a deposit, or will the apartment turn me away completely? I heard all they look at are evictions, and bankruptcies. Does anyone know if this is true?””

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How can i build my credit score faster?



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“”I filed for chapter 7, then got my car repossed 3 months after completion?””

So I lost my car after filed for bankruptcy 3 months ago. Now I owe them about 3000, and I don’ thave money to pay. Will my bankruptcy protection enable me to lose that debt also?””

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“”I owe more than my car is worth, do i let it get repoed and buy a new one first or keep throwing money away?

I currently have a 2011 Nissan sentra that I owe 20K and my interest rate is 18%. I will end up paying 40K for this if i pay it off. My question is should I buy a new car with lower payments and lower interest rate to save money and let my current car be repoed? Or continue to pay on this current car for another 4 years? My thought is I can have a repo on my credit for several years or keep thowing money I dont have into this car.

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What is the best credit report company online?



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Looking for Bankruptcy lawyers in California?

I am helping my brother look for good bankruptcy lawyers in California. He is in serious financial debt and we are looking at filing for bankruptcy as one of the options. Does anyone know of a good bankruptcy law firm in the California area? Would be great if you could refer some especially if youve had experience with them before! Thanks!

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How do I deduct my loss for stock purchased when a company files for bankruptcy and stock is worth zero?

I purchased stock during 2010 in a company. Prior to the end of the year the company went bankrupt and the stock is worthless. How do I deduct this loss off of my taxes? Can I still deduct the loss if I can’t itemize?

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Credit/Auto loan question?

Yes, the dealership is finding the lender. My previous lender was Chrysler and they will only finance Chrysler vehicles so I can’t go through them. The dealership actually told me that several banks flat out denied me. I have a copy of my credit report and it’s not all that bad. I’m going to call the credit union today.””

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What website offer a free credit report? Everyone I have found ask for a credit card?



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How to get a loan no job or bank account?

need a loan no bank account, job, or credit card””

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What difference does co sign for auto loan make?

if someone has bad credit, and someone with good credit co signs for them for a auto loan. Does the loan get approved on the co signers credit, or does the one with the bad credit still erect the loan. Will it still be subject to denial/high payment/high interest rate?””

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Who are those guys in the FreeCreditReport.com commercials?

They are (They’re) the ones who sing those catchy songs/lyrics/tunes!!!!!

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“”If I consigned on a auto loan, will that be part of my debt to income ratio when applying for a mortgage?””

From another Q&A site: If the other party can prove via cancelled checks that they have made every payment from their own money then no.”””” Any insight?””””””

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Will my new mortgage payment be considered when calculating child support payments?

I never said anything about paying LESS for his support. I already pay 20% of my AGI which is well over the 14% my state typically mandates. My question was pertaining to the method the courts use to determine child support payments. I don’t mind continuing to pay what I already pay; I was only curious if that amount could possibly increase.

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Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

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How can I find someone to assume my mortgage?

I have a nice small 2 possible 3 bedroom home in central Florida in good shape and with a new roof that I have been paying on faithfully for the last 3 years and am current on my mortgage. My question is how can I find someone who wants to assume my FHA mortgage so I can just be done with this house and go buy another in a different area of the country and is there such a thing as a home trade program? My current home is located close to schools and shopping in a quiet neighborhood and only 65 miles south of Orlando and I only still owe about 47000 dollars on it. The reason I want someone to assume my mortgage is because I want to get this done in a hurry and not have to wait and try to sell it on the open market. Besides I am not really wanting to profit from the sale and just want to help someone else out with an incentive such as them having my equity for hurrying up on this. I believe all they have to have is decent credit and a current job. Is that also right? Has anyone else done this before?

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Where can I find small loan for bad credit that is not a payday loan?



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Are those Pay Day advance loan places a scam?

I have heard that they charge high interest for small loans.

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Need to know how to get a free credit report?

i got a call from a telemarketer trying to sell me on a trip to Fl. she asked if i wanted to use my credit card, i told her that i didnt have one, so she insisted that i had, and that it was up on her screen that i had a master card, so i got worried about identity theft and went online to check it out. but because i don’t (as far as i know) have a credit card, i couldn’t use the free credit reports on line, is there a nother way to find out about an identity theft with out having to use a credit card?””

“Why was i declined for a Discover Card?

I am a student trying to build credit so I have researched every possible credit card. I want to only use the credit card for gas purchases so I went to Discover and tried to apply for the Student Open Road. Which has the best interest rate and amazing cash back on gas purchases. In the application it didn’t ask me anything in detail except how much I make a year. I have a full time job and make more than 5k a year. And yet they declined my application. They said they were sending the reason for their decision in the mail, but that was more then 2 weeks ago. My friend at college makes less then I do and she had no credit either but Discover sent her offers in the mail, and now she has a Discover card. Can anyone explain why I didn’t get approved?

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Will bamboo kill gold fish?

I have a small bambo plant that sits in a jar of water. I’d like to put it in with my gold fish.The fish is in a old glass milk bottle. Does any one know if the bambo would kill my fish?

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What is worse for your credit score?

I do not own a home

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Watch free online movies without given my credit card numbers?

I want to watch free online movies without given up my credit card numbers all the time

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Grants to be applied for after filing bankruptcy?



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Im 16 years old. and i want a credit card to build credit. i already have a debit card and i need to know how?

old u have to be get one.. and if my parent can sign for me

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What if you are having problems repaying an ACE payday loan?

i have a 400 dollar payday loan and have renewed it like 3 times and am not able to pay it off with out giving up my other bills. In texas does anyone know what they can do if it takes a while to pay it off.they cal from irving and said they would file a case but when i asked where and when and how can i call where they are sending it no info was given.i can do it in small amopunts but not the whole thing..Any answers????

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What is the definition of Home loan?

don’t give me single line detail!! i need a full para…. please help!

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Should I declare bankruptcy or not?

I currently have about $10,000 in medical bills, a $10000 repo, and about $1000 in credit card debt and need some advice. I have been dodging creditors for three years now and all of these debts are at least that old. I have no bank account and no bills in my name and the creditors seem to be unable to track me down to get a lien on me at this time. Even if they did, I have little to offer, as I work two jobs for a HIGH gross of $1,300 a month along with being a junior in college. I am perpetually searching for better work, but I am now 23 and when I was 18 and 19 I was a very stupid young man that managed to get five misdemeanors and a suspended drivers license for three years. I am not here to play victim as I take full responsibility for my actions and consequences but I need to know if a bankruptcy would help me or hurt me. I already live under the radar with no credit whatsoever and my debts are kinda old. With bankruptcy or not my credit is screwed, should I spend the $500 and get one, or just let them become old write offs???””

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Why is it so hard to get approval on an auto loan?

We certainly make enough to live comfortably. Our modest milwaukee suburban home is about 1,400 square feet, property taxes are about $3,800 a year. Our combined income is just under 90k a year. Not rich, but not poor either. The last auto loan I had was for $31,000. 60 month term, it was fully paid off in 31 months. So given that factor, and that any credit we had has ALWAYS been paid on time makes me curious why we weren’t approved. I wonder if putting 25% down on it will help with approval….””

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“”What is a loan disbursement, and how does it affect interest?””

i don’t quite understand the nature of a loan disbursement. (i’m dealing with a federal direct unsubsidized student loan and a federal direct parent PLUS loan). is a disbursement like using PART of a loan? or is a disbursement THE loan amount? like say in total over a year you are going to have to borrow 5000 — my question is does splitting it up into 2 disbursements mean you pay interest on 2500 for half a year, then when you want to use the next 2500 for the next half year, after that second half is disbursed, do you start paying interest THEN or at the beginning when you decided you’ll need 5000? i did a really bad job explaining that, but basically my question is what is a disbursement and does getting several disbursements affect the amount of interest accrued? (i understand that each disbursement creates a fee, but i am right now wondering about the interest so that i can compare what’s better)””

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Filing For Bankruptcy?

I have been thinking of filing bankruptcy and need some outside advice (before I go to a lawyer). I’m in my mid-late 50s, have never owned a house or condo and probably never will at this rate. I have 3 credit cards which total to about 11,500. Also, I live in Hawaii (most expensive state), my rent is $1600 monthly. I support one child in college (because she is only taking 2 courses at a time, I pay for the entire tuition in her semesters). I need advice: if filing is a smart”””” choice right now? I feel like I’m getting no-where fast””

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Bankruptcy Filing in question?

I’m trying to sell a car and carry the note, but I’ve been told the people wanting to buy are in bankruptcy payments. Is there any way I can find out if these people have filed bankruptcy?””

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Looking for a private lender for lloan for individual who has bad credit.?

I need a personal loan to make car repairs, paymedical expenses and help my single son with two children obtain a place to live.””

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What if you don’t know all your creditors for bankruptcy?

I’ve been working on declaring bankruptcy for a little while, but I keep running into the same issue…I don’t remember all my creditors. A lot of my debt is from when I was in college a few years ago, I have a bunch of doctor’s bills but I don’t remember exactly which doctors I saw, accounts have been transferred to outisde agencies, stuff like that. I understood what my lawyer said as any debt I don’t list on my bankruptcy is basically tough luck, so I want to get it all…but how do I go about doing this? I pulled my credit report already, what else can I do?””

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I need my bankruptcy information from 1994 how can i get it?

I was discharged from bankruptcy and no longer have the documents, how do i get a copy””

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I need a unsecured loan for 10000.00 dollars and my credit is bad since katrina hit.what are my options?

i donot wont debt counceling,they cant help,i just need 10000.00 to combine my few bils and catch my truck payment up.my child support payments end this month and i will have anextra 630.00 a month to pay this note over a 3 year period””

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How much mortgage can I qualify for/afford?

@falsi: Thanks for the information but the only people Ive ever heard refer to the 3x salary figure have not been knowledgeable in the area and furthermore it is not the case with any of the people I know. For instance a relative makes 250K annually and purchased a home for 1.3 million which is close to double your estimate. I continually hear of the rule that states that 30% of your monthly income should go to your mortgage which in my case is $2075, if you know about this rule can you elaborate.””

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Unsecured credit cards for people with a score between 479–520?

I have a Imagine Gold Credit Card and it’s the only one who I found that would give me a credit line without a deposit, are there any other? I need to build my score and after research I see having 3 credit lines open is the best way to do it.””

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Where can I find a list of lenders that offer bad credit loans w/o a co-signer?

I am looking for a personal bad credit loan

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I have a checking account with bank of america?

I was wondering if you can set up a bank of america checking account as credit only meaning only deposits and transcations using my debit card can go thru have alot of old payday loans…which I am in the midle of a chapter 7 with and don’t want those old loans I have to try to take money from my account using my routing number and checking account number.

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What is the best way to use the 2009 HomeBuyers $8000 credit as a down payment type of payment?

Details on the Missouri Tax Credit Advance: MHDC makes a second mortgage to the homebuyer at the time of closing worth up to 6% of the home purchase price or a maximum of $6,750, which is used to cover downpayment and closing costs. The tax credit advance loan is paired with MHDC financing for the first mortgage in the form of a safe 30 year, fixed rate mortgage (both mortgages must be applied for through a participating lender). The homebuyer then files for the federal tax credit and uses the credit refund to pay off the MHDC tax credit advance loan. If the tax credit advance loan is paid off by the designated deadline (no later than June, 2010), the homeowner pays no interest other than a modest servicing fee. If the tax credit advance loan is not paid in full by the deadline, principal and interest payments to repay the loan over 10 years begin automatically.””

“Why was i declined for a Discover Card?

I am a student trying to build credit so I have researched every possible credit card. I want to only use the credit card for gas purchases so I went to Discover and tried to apply for the Student Open Road. Which has the best interest rate and amazing cash back on gas purchases. In the application it didn’t ask me anything in detail except how much I make a year. I have a full time job and make more than 5k a year. And yet they declined my application. They said they were sending the reason for their decision in the mail, but that was more then 2 weeks ago. My friend at college makes less then I do and she had no credit either but Discover sent her offers in the mail, and now she has a Discover card. Can anyone explain why I didn’t get approved?

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Can i file my 2009 taxes or do an amendment?

my wife file taxes in 2009 i did not file with her because creditors were coming after her and didn’t want them coming after me, she has since filed for bankruptcy, i have a mortgage and collect ssn, we’ve filed together before, but can we do an amendment so i can file with her for 2009 in order to recoupe some of the interest on the mortgage?””

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“”If your house gets foreclosed on, do they give you a 30 day notice?””

My parents, my brothers and I live in a house In Philadelphia that we cannot afford mortgage payments for. We haven’t paid our mortgage in 6+ months, I’m not entirely sure. We got paperwork from our mortgage lender about the Making Home Affordable program and we filled it out and are hoping they can refinance our mortgage to something we can afford. I think I was told that once it’s in review any foreclosure proceedings are halted, until they determine if we’re eligible or not… What I’m asking is, if they determine we’re ineligible and they proceed with the foreclosure, will we get some kind of 30 day notice before we have to leave or will someone show up randomly one day and demand us all to get out? It’s really worrisome… Also, my parents recently filed bankruptcy. I don’t know if that effects foreclosure at all. Does anyone know?””

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How can i check my credit report and manage my debts for free?

In Australia

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Auto loan with bad credit and on unemployment?

I’m currently looking into purchasing a used car no more than 5000. I am on unemployment and getting about 1800 a month from that. What do you think the chances are of getting financed on unemployment??

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“”Where can I find a personal loan of $12,000? … with bad credit?””

Hi, I was wondering if someone can refer me in regards to the loan, I google it but it is soo freaky to type personal information over the internet. I am close to purchase my house and just need 12K to do the closing, is to pay the house in cash. Any trust lender???””

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Why wouldn’t i be able to refinance an auto loan for 8500 after making 6 consistent over payments?

I have paid 50 dollars more than the minimum for 6 months on a 19 percent interest car loan.

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Can you be charged with fraud for defaulting on a car title loan?

I received the loan in another state. I moved back to Tx but left the car in a relatives garage in the state where I got the loan. I have been unable to make the payments. They are threatening filing fraud chareges on me. I am willing to let them repo the car.

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Auto loan not reporting credit not financed by a banl?

so i bought a 2004 hyundai santa fe in chicago,il. the company that financed me is not a bank its a small company i guess called TOTAL FINANCE, ive seen a lof of reviews saying they rip you off and they did they gave me an interest rate od 24% for 39 months. the truck was 11,800 but with interest its 18, 900 or so, i gave 3,000 in cash. so i was wondering if they are not reporting my credit and they are not a bank can they still report to the credit bureau that im not paying my car? ive heard some people say they took their car and left it there and they havent reported they didnt pay their car. i just saw the same truck a year less for 3500 and it made me mad, and i dont wanna pay 20000 for it. what can i do? plus in septemeber my job will end bc where i work the restaurant will close. so is there any chance i can get off of this big loan?””

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Best place to get loan with bad credit

I have a poor credit score but I desperately need a small loan. What is the best company to provide this type of service?

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What is the best bankruptcy software for an attorney opening a bankruptcy practice?

I’m a lawyer who is about to go into solo bankruptcy practice in the Eastern District of Virginia and I’m looking to buy bankruptcy software. Should I get BestCase, EZFiling, or some third option? I’m especially interested in opinions from attorneys or paralegals who have tried out more than one program.””

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Auto loans for bad credit?

My credit score is somewhere between 500 and 550, and I have an auto loan through Drivetime that I would like to get out of. I need a new car (family is bigger, so I need a bigger car), but I still owe 11,000 on my old car. That’s after a year and a half of making on-time payments. I didn’t realize what I was doing when I got this car, now I feel like I’m stuck with it until I pay it off!!! My payments are $420 a month, and I can afford that just fine, maybe even more, but I can’t find a dealership that will approve me without me putting $3000 or more down!!!””

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Can I apply for a auto loan if I just got a job today?



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Does anyone know which credit bureau American Express uses to review your credit history?

I want to apply for an Amex credit card, but would first like to know which of the three credit bureaus is used determine credit worthiness. I am curious because all three of my credit scores are significantly different.””

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Clear bad debt history?

Left the UK 6 years ago without settling outstanding bills. Have tried to contact 1 company but told account now closed. Do they automatically close after this time. If so is it possible to have previous history of bad debt wiped?

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How to check icici bank credit card balance online ?



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If i file bankruptcy?

if i file bankrutcy what will happen it will effect the crdetit history ihave that will destry plez some one tell me detail thanks

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How do i find out my credit history?



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“”Who knows who to talk to to prequalify for a auto loan,?



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“”Okay so my girlfriend likes other guys tbh and rates”””” quite often but everything between us seems fine should the tbh rates bother me?””””



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Does anyone know a legit cash advance web-site I can trust?

I need $500.00 as soon as possible. Thank you

“”

What Is A Payday Loan Or Cash Advance Loan?

Can any1 explain it to me?

“Why was i declined for a Discover Card?

I am a student trying to build credit so I have researched every possible credit card. I want to only use the credit card for gas purchases so I went to Discover and tried to apply for the Student Open Road. Which has the best interest rate and amazing cash back on gas purchases. In the application it didn’t ask me anything in detail except how much I make a year. I have a full time job and make more than 5k a year. And yet they declined my application. They said they were sending the reason for their decision in the mail, but that was more then 2 weeks ago. My friend at college makes less then I do and she had no credit either but Discover sent her offers in the mail, and now she has a Discover card. Can anyone explain why I didn’t get approved?