Canucklehead said:disposable said:kiki08 said:'Thank you for your Application.Your Application is being processed. We have received your application but need to perform additional processing before we can provide you with a decision. Within 30 days we will send you more information to the address provided on your Application.'
Does it mean I got denied? But my credit score is 765? Thats the same message I used to get when they'd deny my application few years ago.
don't worry, this isn't deja vu. that's what they tell everyone. the company who is doing the work on this is only making money if you are accepted and they get to give you a camera. you really have to be in a bad credit condition to be rejected. i had a discover card already and they just gave me another one.

relax, it says it will take 6-8 weeks after you make a charge on it. not a difficult thing to do if you have to buy groceries.

.
Mine was approved instantly. Card should be here in a couple of days. So that's not what they tell everyone. There could be multiple reasons why it won't go through right away.
my credit score is 795 on transunion.

i was not approved instantly because i have $52,000.00 owed on one of my credit cards. i took the money out on a 9 month 0% interest cash transfer and bought a Certificate of Deposit with 4% interest. those days are gone now, but it'll boost my credit after it's paid on time, and i'll make a few dollars.

in addition, i already had a discover card when i applied.

as you said, there are multiple reasons why a person would be more carefully scrutinized, after all, the computers that make the decision have set parameters and they have no leniency built in.

.

Am I the only one here thinking "they offer you the possibility of getting a $130 camera" and everyone jumps right on getting a credit card?
Having more credit cards doesn't necessarily help your credit rating, having your credit checked - and possibly getting denied can also bring your score down. If any of you are about to buy a house or a car and looking for a loan, this $130 camera could cost you thousands in getting a loan with a higher interest rate on a major loan because this might just send you down a notch in your credit rating. Most likely it will not, but why even take the chance? Ok, if you really just thought about getting a credit card, then you might as well jump on this... Just my thoughts on this.

I just got off the phone with Discover. They said it is a legitimate site to go through. Hope that easys some minds, it sure does mine. Now to see if we get the camera

rick

I just signed up and got approved instantly...thanks to the OP.

disposable
your thoughts regarding credit are over 20 years old. i have at least 25 credit cards and i have a very high score. i can go to the bank and draw out over $200,000.00 on my credit cards with no questions asked and i got this deal, and i got the camera.

.[/Q said:

No need to get nasty about this. There are different thoughts on this. Just do a search on the net, you'll find plenty of financial advice saying it's not good to have too many credit cards. This is for example what it says on the FDIC website. I think I trust them over you, sorry...

Owning too many credit cards. You may not think twice about offers to "sign up today" for a credit card to receive a percentage off your first purchase, get a free T-shirt or to have no payments for six months. Depending on your personal situation, these promotions may be good deals. But beware. "If you open a number of credit accounts with retailers just to get the discounts or freebies, these seemingly harmless accounts may linger in your credit file and end up costing you money the next time you get a loan or insurance," warns David Lafleur, an FDIC Policy Analyst on consumer matters. Here's why.

Note: Under some credit scoring systems, canceling credit cards can lower your credit score, not raise it. For example, canceling cards you've owned for many years could lower your credit score because those older cards can establish a long history of responsible credit use. Even so, we still generally favor the idea of canceling cards you rarely or never use, for reasons already mentioned, plus others (including the fact that you'll have fewer cards that can be lost to a thief, and you are more likely to notice problems with cards you use regularly). As one possible strategy, Kincaid suggests this: "Review all the cards you have. Keep only the cards you've had for a long time and handled well by always paying on time."

FYI: All the money is in the Finance forums.

I have made thousands and saved many more thousands in the finance forums. Not to mention the free Ipod I got also.

tuan2 said:You better spend some money on the card-a tank of gas or a trip to the grocery- because you will not see the camera till you spend some money on the card. Look at the offer last month.
You're already took a hit on the credit point so may as well use it to get the camera.


 

legirons said:Guess I better save a copy of the free camera offer. They're not going to make a dime off of me, good credit, no balances!

Congratulations!

You have been approved for a Discover® Card. Your card will be mailed to you shortly to the address provided on your application. If you have any questions regarding your new Account, please call 1-800-DISCOVER (1-800-347-2683).

After you receive your Discover Card in the mail, visit Discovercard.com to manage your Account online.

I intend to probably use it once a month at Sams Club. They're about the only place that having the discover card is good for in my case. Still saving Sony points on one of my other cards and the idiots quit offering PS3's!

wow this SUCKS...for me...I applied and actiaved my discover card just last week...
aahh

wherehk said:what happens if you don't get an immediate approval? i wonder if the deal is still valid...anyone know? can't tell from the rules -- seems to be kosher but not totally unclear.nobody knows for sure. i got an instant approval & those who also got an instant approval won't know until we get our card to activate. then we'll know if and when the camera will come.

Ok, I just applied, and instantly approved. It better not be a scam!