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I decided to try again for Discover as my last Collection fell off from all of my reports this past month (Officially Collection Free!), I was not expecting much since i was denied for the Discover More just 2 months ago.
After clicking on the Submit Application button it asked me for additional employment information, I took this as good news because at least i was not denied immediately, After clicking on Submit Applicaton again i got the message "We are unable to approve you for the terms you requested", my sadness quickly turned into joy when it also said that i was Approved but with different terms, all i had to do was accept the new terms and i was instantly approved!.
Basically the only difference was that the APR is 6% for the first 6 months (Instead of 0%) and 22% thereafer (Instead of 11%), I don't really care much for this since i usually PIF anyway.
I am so happy since the discover was one of my goal cards and i did not think i would get it so soon, I only have one negative left on my report but it is a big one: a 3 year old charge off, My Equifax score 2 months ago was 645 but this was before the collection fell off, I am guessing that going from having a collection to being collection free must have given me a nice boost.
I still don't know what my limit is but all of my cards (Freedom, Cap One Cash Rewards) only have a $500 limit, hopefully Discover gives me my first 4 digit limit!.
@SnackTrader wrote:
There have been some great stories of Discover IT limits the last few days, so fingers crossed that you get a big one!
Congrats!
Even if not, it will grow with you. Congrats on the approval. I love my IT.
Call them, if you want to kow the limit. see sticky backdoornumbers.
Congrats on the approval!
Question ---- do you know which report they pulled?
@Denny33142 wrote:I decided to try again for Discover as my last Collection fell off from all of my reports this past month (Officially Collection Free!), I was not expecting much since i was denied for the Discover More just 2 months ago.
After clicking on the Submit Application button it asked me for additional employment information, I took this as good news because at least i was not denied immediately, After clicking on Submit Applicaton again i got the message "We are unable to approve you for the terms you requested", my sadness quickly turned into joy when it also said that i was Approved but with different terms, all i had to do was accept the new terms and i was instantly approved!.
Basically the only difference was that the APR is 6% for the first 6 months (Instead of 0%) and 22% thereafer (Instead of 11%), I don't really care much for this since i usually PIF anyway.
I am so happy since the discover was one of my goal cards and i did not think i would get it so soon, I only have one negative left on my report but it is a big one: a 3 year old charge off, My Equifax score 2 months ago was 645 but this was before the collection fell off, I am guessing that going from having a collection to being collection free must have given me a nice boost.
I still don't know what my limit is but all of my cards (Freedom, Cap One Cash Rewards) only have a $500 limit, hopefully Discover gives me my first 4 digit limit!.
CredtKarma is reporting a new inquiry so it looks like they pulled Transunion.
That's awesome! Congratulations. I just got my first Discover card a few months ago and they gave me a $6,000 limit. All my other cards up to this point were at most $800 limit so you should do well!
Congrats!!
Collection free! Oh what a feeling. great position. capitalize on it