Discover® MotivaCard

Hi, Could you pls tell me how much was your credit score according to creditkarma when you applied for Discover and got 6k Credit limit?

Thank you in advance..

I too, am interested in what your credit score was. I'm skeptical about applying for a credit card, being denied and enduring another hard inquiry hit.

seems that with most of these CK offers, you still need a debt to limit ration below 20%, average account age of 5 yrs, no BK, score over 740. If you don't meet these four minimum requirements, your high income, good employment and payment history, and other possible positive factors are irrelevant. The ridiculous thing about CK is that it has this information and it's still handing out offers to those that don't meet the minimum requirements. Which prompts us to ask the question, why is CK making these offers to those who are unlikely to be approved?

The answer is simple, CK gets paid like most websites by having visitors click on the links the advertisers provide. Sad but true, CK is not doing what the name suggests; CK basically gives offers to everyone here regardless of the info they already have on them; in doing so it hurts more people than it helps b/c the resulting denials, hard inquiries and low credit limits that result from these "preapproved offers" only hurt scores.

its not credit karma, you have 2 cards that are maxed out... they see you as not able to pay them back. pay off ur credit cards and try again....

Thats true. These offers that credit karma offers aren't guaranteed. Plus you do have two maxed out credit cards so what do you expect?

He expects CK to be able to take into account his debt to limit ratio since it's calculated by CK. There's no reason why CK shouldn't consider DTLR in making its recommendations. Your telling him, "you have 2 maxed out cards, what do you expect?" Is easily answered by, I expect CK to take into account the information that it already has which includeds the 2 maxed out cc's before telling someone to apply for a credit card that will deny you for having 2 maxed out credit cards. Especially when the main reason for making BT's is maxed out cc's. Historically, BT offers were offered to those with high cc balances who needed to make the transfers. To say that he should expect to be declined for a BT offer b/c of a high cc balance is not counter to historical fact although it does reflect the current practice of some banks today that seem to have idiots managing their authorization depts.

Wow i guess that counts me out i have a 730

Orchard sent me a pre-approved, I accepted via the company website, it is showing as a HARD inquiry. I intend to call and try to make them fix it.

Isn't a pre-approved offer automatically a soft inquiry?

Soft inquiries, such as the offer they sent to you does not count against your score. Once you accepted the offer online, it now becomes a hard inquiry and therefore will reflect on your credit report.