Now I’m Good Enough For You, Discover Card?
I mentioned a few months back, when I turned 18, that no bank would approve me a credit card. I applied first for a Visa card from CitiBank, then a Speed Way card from Chase, and finally I attempted to obtain credit from Discover Card. All of them rejected me for similar reasons: low income, no credit report, and really low income.
Imagine my surprise on Wednesday when I received a credit card application from Discover in the mail. They were actually soliciting me this time. So I went online and applied (again) using my “special” “invitation code”. I click submit and expect to read a message saying “Sorry, you’re not credit worthy.” Blah blah blah.
Instead, they tell me that I need to call to confirm some information. I call, but I don’t think it’s going to result in anything.
Me: Yeah, I applied for a student card that you mailed me and the computer said I needed to call or something?
Discover Card Lady: Oh no problem. Let me just look up your information. May I have your name and social security number?
Me: No problem. *Gives them to her.* (You didn’t think I was going to put this in the post did you?)
Discover Card Lady: OK, I’ve pulled up your application. We just need you to fax us something like a utility bill or bank statement to verify your address. Also, a class schedule from your college to verify that you’re a student.
Me: So…am I already approved and you just need this to complete the process? Or… (and where will I find a fax machine?)
Discover Card Lady: Yes, as soon as we get those documents, you’ll receive your card in 7-10 business days.
Me: Awesome. Thanks!
I thought Discover was just tempting me. Showing off cool card designs and attractive cash back rewards. Oh and no payments on new purchases for 6 months. Just like any ol’ tease would do. But nope, it seems like she actually wants to seal the deal with me. OK, I think I’ve taken that metaphor as far as it can go.
Now that some corporation has decided I’m credit worthy, I’m going to buy so much stuff and only make the minimum payments for as long as possible.
Just kidding.
But seriously, where can I find a fax machine? It’s 2010. Does a dial tone even exist anymore?
July 23rd, 2010 at 11:32 pm
You should ask if you can email the documents in. It requires you to have a scanner, but that’s more likely than you having a fax machine. Not all companies allow you to email in documents, but some do and it helps a lot.
July 24th, 2010 at 2:22 pm
That’s a good idea! I’ve actually figured out how to use Windows Fax and Scan and it seems to work pretty well for my purposes. I was approved fro the card and will receive it next week.