Discover More Card Complaint - Better Watch Before Applying For Discover Card - Just Fake And Worst Customer Care
CHICAGO, ILLINOIS -- Yesterday I've applied for the Discover More credit card, impressed by its reviews and my credit card application was rejected. This is the second time my application was rejected for a Discover More Card.
I know Discover more card is tough to get and has many favorable reviews. I have a 750+ FICO credit score and tried to get my hands busy with it.
(FYI I have 4 revolving credit accounts, 2 with WAMU, one with BOA, one with Citi Cards). After my first attempt(jun '08) went in vain I thought it would be better to give it a try after a long period. Yesterday when my application was rejected, I thought it would be better to probe out the cause and to know if the card is not meant for me either.
I've called the customer care number probe out for details; the representative was so eager to end my call saying you should get a letter through mail; I asked her if she could let me talk to concerned department.
I was put on hold for sometime and another representative came into line; this time she's mentioned that "your credit history was not good"; I've reminded her my credit score was 750+ and this was the first inquiry in the past 8 months. she put me on hold and diverted my call to Delaware operations.
This time for a change I was speaking to a representative of senior level for a change and he was keen to end my call as well, citing just "bad credit". I've asked him if he could probe out what was the cause of rejection if he could find anything on report.
1) His reasons were my credit history was fairly young.
2) I've maxed out on my other cards(its a complete lie; in-fact my credit card balances were almost less than 30% of my actual credit line).
3) I've many credit cards and might be a potential defaulter. (I've never missed any of my due-dates for any card so far and my running balances were never maxed out ever on any card).
I've asked him if there's any such rule with the company that YOUNG 750+ credit histories would be considered as a potential threat (his answer was no) and reminded him that my credit cards balances were not as he has mentioned and asked him if he could be able to tell me the possible cause for rejection in a second row. He's just repeated the same sentence "BAD CREDIT HISTORY" and went silent when i tried put some conversation and said that he can't hear me good enough (bad line; but the line was crystal clear)and tried to ask if I had any other questions if not so he could end the call.
I don't think this is the kind of service I expect from a operations-manager from a department or neither is the valid reason for denial. I don't know much if the discover card is really that great to have or worth another inquiry.
I make 70k+ per year and has never defaulted for any credit / or was behind on paying interest or never maxed out my credit limit.
One thing for sure that it makes me feel Discover card is another nuance for worst customer service. I wouldn't be applying or this card at all; I am happy with my AMEX BLUE CASH account and wouldn't be suggesting anyone for a Discover More Card. I wish I could show the one finger gesture with the two word sentence.