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Discover IT approval ...Nice CL

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Established Member

Discover IT approval ...Nice CL

 

 

 

Would like to share my recent experience with discover with you guys,  yesterday I applied for the

discover IT card and was instant approval, but no CL. So today I call and spoke with

an account mgr, and she pleasantly  info me that my starting was 8k..Nice

The only drawback was they pulled my EQ score which is the lowest and has plenty of inq's

already. EQ 677 INQ's 7.  I was hoping they would pull my TU 08  735  and 1 inq.

 

 well hope this help anyone on the fence. 

LOWES-25K|CSP-15K|DISCOVER-15K|BARCLAYS-13K|AMEXEDP-30K|CITI-11.2K|BBMC-10K|WALMART-10K|CAP1Q.S.-5K|NORDSTROM 8K|FNBO AMEX 4K

FICO EQ08 743TU08 741EX08 753
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: Discover IT approval ...Nice CL

Nicely done.   I just got this card today too!  

Message 2 of 12
Mega Contributor

Re: Discover IT approval ...Nice CL

Congrats on a Great limit! Welcome the Discover family! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 12
Contributor

Re: Discover IT approval ...Nice CL

Congrats OP!
ForMyBiz do you mind sharing your experience? Planning to app for this card in the next day or so, just as soon as Comenity updates my CR.

Starting Score: EQ FICO 566 09/30/13
Current Score: EQ FICO 688 3/10/14 TU FICO 680 3/10/14 (Barclaycard) EX FICO 691 1/12/14 (LP)
Goal Score: 700
My Wallet: Capital One $1000 / Wells Fargo Secured $1000 / J Crew $850 / Victoria's Secret $500 / Barclay Apple Financing Visa $2500 / Discover It $1400 / Home Depot $2500 / Delta Skymiles AmEx $1000

Message 4 of 12
Frequent Contributor

Re: Discover IT approval ...Nice CL


mysnii wrote:
Congrats OP!
ForMyBiz do you mind sharing your experience? Planning to app for this card in the next day or so, just as soon as Comenity updates my CR.

Sure!  

 

I applied in Aug while on a spree and got denied due to 1 upnpaid collection, 10 180 lates from student loans.  They offered approval if I could find a co-applicant, which I didn't want to do.

 

AAoA according to CK is 11 mo, but I don't agree with this because I don't think it takes into account my installment accounts that date back.  

Got the collection removed a couple of months ago, so baddies are just the 180 day lates from my now consolidated/paid student loan

INQs - ALOT, but around 10 that are less than 6 months old

and you can check out score and UTL in my sig.

 

I did get a pending application notification, but it also asked me to create an account, so I took that as a good sign.  I called in and spoke to an analyst that asked me:

1) what I like about Discover IT - Told her I like the rotating 5% + online shopping portal + virtual credit card option

2) about the student loan lates - explained those and showed that they were caught up now

3) about all the new accounts/INQs in Aug (apping for mortgage in 2015 and wanted to group new accounts/inquires together)

 

and then she approved me for $1500 (which was actually higher than I expected TBH.)

 

I can definitely see why everyone raves about their CS, I talked with 2 people (frontline rep + CA) and they were both very nice. 

 

 

EDIT:

 

OH and they pulled EX and EQ for me.

Message 5 of 12
Senior Contributor

Re: Discover IT approval ...Nice CL

congrats


Message 6 of 12
Valued Contributor

Re: Discover IT approval ...Nice CL

congrats!

gardening since 5/21/2016
Message 7 of 12
Frequent Contributor

Re: Discover IT approval ...Nice CL

Congrats on the card and limit!   Smiley Very Happy

CL $317,649
Message 8 of 12
Contributor

Re: Discover IT approval ...Nice CL

Thank you. Wow.. They pulled  EX and EQ ? OP do you know which report(s) they pulled for you?

I have pretty much the same things on both; about 6 Inqs and 1 unpaid medical collection which I have been unsuccessful in reaching the CA for; but hoping this can be explained in recon if nothing else. 


Starting Score: EQ FICO 566 09/30/13
Current Score: EQ FICO 688 3/10/14 TU FICO 680 3/10/14 (Barclaycard) EX FICO 691 1/12/14 (LP)
Goal Score: 700
My Wallet: Capital One $1000 / Wells Fargo Secured $1000 / J Crew $850 / Victoria's Secret $500 / Barclay Apple Financing Visa $2500 / Discover It $1400 / Home Depot $2500 / Delta Skymiles AmEx $1000

Message 9 of 12
Moderator

Re: Discover IT approval ...Nice CL

Well done, congrats Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 10 of 12