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Valued Contributor
injustifiiable
Posts: 1,853
Registered: ‎03-30-2012
0

IN with Discover IT! Woot!

[ Edited ]

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Frequent Contributor
CREDITSURFER
Posts: 303
Registered: ‎04-22-2013
0

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
Mega Contributor
coldnmn
Posts: 11,970
Registered: ‎08-08-2011
0

Re: IN with Discover IT! Woot!

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

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank $10,000 / Sam's Mastercard $8000
/ Walmart Discover $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /
Valued Contributor
FocusedAndDetermined
Posts: 6,281
Registered: ‎01-05-2013
0

Re: IN with Discover IT! Woot!

Congrats!

Regular Contributor
ReaLiLJ
Posts: 143
Registered: ‎09-17-2012
0

Re: IN with Discover IT! Woot!

[ Edited ]

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!
Valued Contributor
injustifiiable
Posts: 1,853
Registered: ‎03-30-2012
0

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Regular Contributor
megaman1
Posts: 260
Registered: ‎11-28-2013
0

Re: IN with Discover IT! Woot!

Congratsss!!!!

Community Leader
Senior Contributor
myjourney
Posts: 25,425
Registered: ‎02-07-2013
0

Re: IN with Discover IT! Woot!

You got it Yay

A BIG CONGRATS :smileyhappy:

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Established Contributor
CribDuchess
Posts: 613
Registered: ‎09-12-2011
0

Re: IN with Discover IT! Woot!

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

 

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Fidelity Amex $15K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
maiden_girl
Posts: 2,094
Registered: ‎12-29-2011
0

Re: IN with Discover IT! Woot!

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

The truth is out there...
FICO scores: 758 (EQ) 741 (EX) 768 (TU) 8/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)







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