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Member
Posts: 30
Registered: ‎02-24-2012
0

Approved for Discover IT!

[ Edited ]

Was approved for a $1,200 limit yesterday and I'm ELATED!  I had a TU of 670 and a CK of 639 at the time.  Had 6 inquiries (5 from buying a car last summer, and 1 from Comcast from when I moved in Dec).  I applied with BTs, so maybe that helped. Have been trying to clean up my credit for the past few years, and just recently I've been in TURBO cleaning mode Smiley Happy.  Still have high util of 100%, because Express dropped my limit to $550 from $2300 when I was carrying a balance of $1800, because of 1 late payment (less than 30 days!)!  Argh!!  Got it paid down to $800, though, but still showing as high util.  Discover IT, with its low BT rate will help me clean up my credit even faster Smiley Happy Smiley Happy!  The Express card is the first item I transferred! 

 

Credit Karma advised AGAINST applying for this card.  I thought I was going to receive a big fat DENIAL, so I had my boyfriend prepped to be a joint applicant should Discover come back with a denial and offer the option of a joint applicant.  I had been gunshy for apping because of all the denials in past years - I had a federal tax lien placed on my credit in 2004 for $8K (I was only 18!) - long family drama story - which I pad off in 2009, so I think that was the source of all my past denials.  Its still showing up, but its showing as paid. 

 

I figured that since Wells Fargo approved my car loan last summer, and with my focus on paying down my cards, I might have a chance...I was blown away to see the approval! Smiley Very Happy  Online app was quick and easy...didn't approve me right away, sent me to another screen to ask about income and such, and after that I was approved online...no phone calls or anything!

 

Smiley Very Happy Thanks for giving me a boost Discover!  Now I can get my balances under control, watch my score go up, save on interest, and enjoy peace of mind!  So exciting!

 

I also want to mention that I applied for the Chase Slate card immediately after, and received the 7-10 decision jargon.  I did NOT apply with BTs, like I did with Discover, but I planned to initiate BTs upon approval.  I called the backdoor number for Chase and was told that I am going to be denied based on my util.  I told them that I had just made large payments on all my cards, and they said to call back in 30 days when those changes post to my credit report.  I totally forgot to tell them that I intend to do balance transfers!  I'm going to call again today and tell them all my intentions, and see what happens.  Wish me luck!

 

 

Most recent FICO via TU (Discover provided) 715 2/13/2015. Overall utilization 25%. Wallet: AMEX EveryDay $20,000 | AMEX Blue Cash $4,600 | BankAmericard Better Balance Rewards $13,000 | Citi Simplicity $10,300 | Citi Diamond Preferred $5,100 | Discover IT $3,000 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase United $5,000 | Chase Southwest $5,000 | Chase Slate $5,000 | Express Store Card $1,690 | Macy's Store Card $6,500 | Overstock.com Store Card $5,800 | Paying off car this year at 0%!
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Approved for Discover IT!

Congrats and good luck!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Approved for Discover IT!

Congrats on the Discover approval, that's great! Hope the Slate is also approved. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 591
Registered: ‎05-05-2012
0

Re: Approved for Discover IT!

Way to go !

 

Congrats! Good luck!

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
Posts: 1,485
Registered: ‎08-30-2011
0

Re: Approved for Discover IT!

Congrats on your accomplishments ! ! !

 

ONWARD AND UPWARD ! ! !

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Regular Contributor
Posts: 170
Registered: ‎12-02-2012
0

Re: Approved for Discover IT!

[ Edited ]

Congrats! 



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Member
Posts: 30
Registered: ‎02-24-2012
0

Re: Approved for Discover IT!


Mishwatson wrote:

What's BTs? 


BTs are balance transfers. Smiley Happy

Most recent FICO via TU (Discover provided) 715 2/13/2015. Overall utilization 25%. Wallet: AMEX EveryDay $20,000 | AMEX Blue Cash $4,600 | BankAmericard Better Balance Rewards $13,000 | Citi Simplicity $10,300 | Citi Diamond Preferred $5,100 | Discover IT $3,000 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase United $5,000 | Chase Southwest $5,000 | Chase Slate $5,000 | Express Store Card $1,690 | Macy's Store Card $6,500 | Overstock.com Store Card $5,800 | Paying off car this year at 0%!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Approved for Discover IT!

CONGRATS!!!!

Enjoy your 5% cash back!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 50
Registered: ‎01-01-2013
0

Re: Approved for Discover IT!

Congrats!

 

My pops just got approved for 3k with them.  Awesome card from what I'm reading.


Starting Score: EQ 553 - TU 569 8-24-12
1-4-13 Scores: EQ 645 - TU 675
3-25-13 Lender pull EQ 646 - TU 687 - EX 647
Goal Score: 700 Across the board before 6-13


Take the myFICO Fitness Challenge
Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Approved for Discover IT!

Recon that Slate!!  Chase recon is great from what I hear.

 

Congrats!!!


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
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