Last week I applied for 'Discover's Open Road credit card which gives 5% cash back on gas and auto maintenance. They rejected application saying I have too many open revolving accounts. I was confused as I use very few credit cards and I always pay on time.
Somehow I thought of checking my credit report and downloaded a free credit online. And guess what I had fine on my old Sam's club card! Here is the story... I was using Sam's club card for a year now and then they offered me Discover Credit Card. When I signed up for it, they took my existing Sam's card and gave me a temporary card which I can use until my new Discover card arrives. When the new card arrived, I returned the temporary card and they transferred the balance to my new card. But somehow for unknown reasons (maybe a defect!) they kept charging my temporary card and they never told me about it.
It just took one call to fix the whole issue. If I hadn't check my credit report, I wouldn't have known about it. Though I knew that one needs to monitor his credit report, I was lazy for not doing it. I think I learned a lesson!
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