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Established Member
Posts: 21
Registered: ‎02-15-2011
0

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-25K|CITI-10K|BBMC-10K|WALMART-10K|CAP1Q.S.-5K|NORDSTROM 8K|FNBO AMEX 4K

FICO EQ08 733TU08 741EX08 738
Frequent Contributor
Posts: 283
Registered: ‎08-19-2013
0

Re: Discover IT approval ...Nice CL

Nicely done.   I just got this card today too!  

Mega Contributor
Posts: 16,835
Registered: ‎08-08-2011
0

Re: Discover IT approval ...Nice CL

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

Discover IT $10.5k / US Bank Ace (VSig) $10K / US Bank Cash+ (VSig) $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Contributor
Posts: 105
Registered: ‎09-30-2013
0

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

Frequent Contributor
Posts: 283
Registered: ‎08-19-2013
0

Re: Discover IT approval ...Nice CL

[ Edited ]

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.

Senior Contributor
Posts: 10,107
Registered: ‎09-24-2013
0

Re: Discover IT approval ...Nice CL

congrats

.
Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
0

Re: Discover IT approval ...Nice CL

congrats!

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Frequent Contributor
Posts: 414
Registered: ‎01-27-2012
0

Re: Discover IT approval ...Nice CL

Congrats on the card and limit!   Smiley Very Happy

CL $257,600
Contributor
Posts: 105
Registered: ‎09-30-2013
0

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

Moderator
Posts: 22,649
Registered: ‎12-13-2013
0

Re: Discover IT approval ...Nice CL

Well done, congrats Smiley Happy


EX Fico 08 BC 08/15: 798 (-8); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 08/15: 761 (+6)
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