Unhappy potential customer

Posted Thu November 17, 2011 6:58 pm, by Benjamin K. written to Discover Card

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I applied for a Discover More card, and was denied. I called Discover to question the decision. I also checked my credit and found that both my Equifax and my Transunion credit reports had been requested by Discover.

I was to discuss my application with someone, because I felt that it was unfair to be denied credit based on my Equifax which had not been updated for the month of October.

I wanted someone to explain to me why I would be denied because of information on my Equifax report, if you checked the Transunion and it showed the correct up-to-date information.

The reason for denial was high utilization of credit, which was shown on my Equifax report. But if the credit analyst had taken a look at the Transunion report it would have shown my correct balances and that I have paid down a lot of debt.

The person I spoke to on the phone was very rude, and did not make me feel very comfortable discussing such personal information. I was patronized on the phone and did not appreciate being talked to like an idiot. I actually spoke to three different people on three different occasions and all of them treated me the same way.

For this reason I will not consider Discover in the future, I had hoped to take advantage of Discover products but now will never consider the brand. I have credit cards with Barclaycard and have found them to be much more reasonable, and very understanding on the telephone. I feel like Barclaycard is a company I can depend on for my financial needs, and their customer support is fantastic.

Take a leaf out of Barclaycard's book, stop treating potential customers like idiots. A customer with little credit history now may be very good customer in the future.

I am very responsible with credit, and I take my finances very seriously. When my credit has aged and I have a high credit score, I will remember the companies that were willing to give me a chance.

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OK, it doesn't work like that by MA Bellamy Posted Fri November 18, 2011 @ 4:02 PM Just because you luck out that one report looks better than the others doesnt mean that they will look at the other report and grant you credit. Most financial institutions deal with ONE reporting agency exclusively and they report to and screen from that one alone. And if one report is significantly off, it is YOUR job to make sure the information is accurate - if you've paid down things that Equifax has not removed, contact them and get it straightened out. But as I've said before and I'll keep on saying it, I will NEVER understand people publicly begging banks to allow them to go into debt! Reply Re: Unhappy potential customer by RedheadwGlasses Posted Fri November 18, 2011 @ 1:41 PM Sounds like you have access to credit already, and you still have consumer debt. I don't blame them for rejecting your application. Reply