Discover Card Application Status: How to Check

Waiting for your application to get approved can be nerve-wracking. Thankfully, Discover goes the extra mile to keep you informed about the status of your application or the reasons behind declining it.

Below, we’ll explain how to figure out if your application got a green light and what to do if it didn't.

How to Apply for a Discover it Credit Card

Applying for any Discover card is pretty straightforward, but knowing the steps in advance will save you some time and make the whole process easier:

• Step 1: Compare Available Card Options. Before applying, figure out which Discover credit card is right for you.
• Step 2: Gather Info. You’ll be asked to provide personal details such as your social security number, annual income, and housing expenses. Check your credit report, as Discover will review your credit score and history when approving your application.
• Step 3: Choose Your Application Method. The most convenient and efficient way to apply is online through the bank’s official website. You can also call the bank’s customer service and apply via phone. Your data will be sent by whichever method you choose.
• Step 4: Submit and Track. You will be required to provide a refundable security deposit, which will be returned to you after 6 months of maintaining good credit on all accounts. After submitting your application, you will receive a confirmation email containing a reference number. Keep this number around in case you need it to verify the application status later.

Example: Different financial goals call for different cards. Suppose you are a student; then Discover it Student Cash Back should be your first choice (the card has relatively low credit requirements and offers rewards on everyday purchases). Reading a Discover it Student Cash Back Card review can help you understand what makes it a solid beginner option.

Before applying, it’s smart to understand the pros and cons of Discover credit card to know what fits your financial goals.

How to Track Discover Card Application

Once you’ve applied, it’s time for a Discover status check. For your convenience, the bank provides several ways to check your Discover application status:

• Online Application Method. The quickest way to check your application status is by visiting the Discover website. You may log in using your account details, or if this is your first time, by using the reference number you’ve received. By typing in the reference number along with some personal information, you will get a status update: pending application, approved, or declined.
• Call Method. Alternatively, you can call the Discover customer service and ask for a status update. Have your application number or Social Security number ready for verification. This method is suitable for applicants who have extra questions or prefer getting information about such matters from a real person.

Once approved, managing your Discover card payment is straightforward through the same online portal.

Example: For most users, the online method of Discover Credit Card tracking is the easiest one. However, if you encounter technical issues or need more information, the phone option is there as a more personal and helpful alternative.

A Discover Student Loans complete review offers insights into financing education alongside building credit.

What to Do if Your Application Gets Rejected

A rejection is not the end of the journey. Here are some things you can do to raise your chances of getting good news from your future Discover Card status checks:

• Understand the Reason for Rejection. Discover always gives a specific reason why your application has been rejected. This could be due to a low credit score, income being too low to qualify, or negative marks on your credit report. Understanding the reason behind the rejection allows you to deal with it.
• Check for Errors. Sometimes, the cause of the rejection might be an honest mistake, like an error in the credit report. You can request a copy of your credit report from the bank and check it for inaccuracies. If there is one, you can contest it with a credit bureau.
• Rebuild Your Credit. In case your credit score is the issue, start rebuilding it. Paying outstanding debts, paying your bills on time, and reducing your credit utilization are all good strategies to raise your score over time.
• Wait before reapplying. It is recommended that you wait at least 6 months from the date you applied before trying again. Reapplying shortly after being denied could lead to another denial, which will hurt your credit score further.

For example, most rejected applicants take time to reconstruct their credits by applying for secured credit cards. These cards allow users to demonstrate responsible financial behavior, increasing their chances of qualifying for traditional credit cards in the near future.

Meeting the Discover credit card requirements can speed up the approval process significantly.

Conclusion

Knowing your Discover card application status gives you peace of mind and a bit of control over the process. Not only will you know where you stand every step of the way, but you will also be able to take prompt actions in case of rejection.

If you travel often, you might also wonder does Discover charge international fees for purchases abroad?