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IN with Discover IT! Woot!

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injustifiiable
Valued Contributor

IN with Discover IT! Woot!

OK I got an "invitation" to apply for the Discover IT and figured what the hell...I'll take a chance...it's been a year and a half.

 

Screen shot 2013-11-29 at 1.18.14 PM.png

 

It didn't tell me the limit right away but I called in and was told I was approved for $1,500! I didn't get the 0% APR for 14 months as in the offer letter but got 3.99% APR for a year and then 18.99% after that.

 

I was SHOCKED because I have an unpaid collection account on my EQ report and thought that would be a deal breaker...looks like Discover is being a little generous for the holidays!

 

I want to thank my MYFICO fam for all the help...this is purely exciting and a real leap forward. First prime card!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 1 of 23
22 REPLIES 22
CREDITSURFER
Frequent Contributor

Re: I am IN!!!

CONGRATS!



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 2 of 23
coldnmn
Mega Contributor

Re: IN with Discover IT! Woot!

Congrats! Welcome to the Discover family. Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 23
FocusedAndDetermined
Senior Contributor

Re: IN with Discover IT! Woot!

Congrats!

Message 4 of 23
ReaLiLJ
Regular Contributor

Re: IN with Discover IT! Woot!

Congrats!!!! and welcome to the Discover Family (They will always tell you their conservative) but they are the nicest people in the credit biz and there app is amazing! Make sure you check out the designs as well! I have the Beach version, its cool and I recommend it because its so appealing to the eye!!

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Message 5 of 23
injustifiiable
Valued Contributor

Re: IN with Discover IT! Woot!


@ReaLiLJ wrote:

Congrats!!!! and welcome to the Discover Family (They will always telly you their conservative) but they are the nicest people in the credit biz and there app is amazing! Make sure you check out the designs as well! I have the Beach version, its cool and I recommend it because its so appealing to the eye!!


I know! I wanted the NY skyline one but I didn't get a chance to pick. I'll choose one once I get the card or can log on online.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 23
megaman1
Regular Contributor

Re: IN with Discover IT! Woot!

Congratsss!!!!

Message 7 of 23
myjourney
Super Contributor

Re: IN with Discover IT! Woot!

You got it Yay

A BIG CONGRATS Smiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 23
CribDuchess
Established Contributor

Re: IN with Discover IT! Woot!

Congratulations on becoming a new Discover Cardmember!  Perfect timing, too!  5% cashback on online shopping - Happy Holiday Shopping!  Smiley Happy

 

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 9 of 23
maiden_girl
Valued Contributor

Re: IN with Discover IT! Woot!

Weird they didnt give you the promo rate. But congrats on the approval!!

As of 2017, rebuilding...
Message 10 of 23
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