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Discover IT card approval

New Member

Discover IT card approval

After a decade of waiting to apply for a discover card... I was approved yesterday Smiley Happy

 

Discover IT card - 6k credit limit - 14 months 0% rate - Pulled EQ 646

 

I read that they usually pull EX but that was a lie, it was an EQ pull. Now, back to the garden Smiley Happy

The only thing I know about credit is: pay your bills on time and be patient
Current: EX 675 EQ 657 TU 642
11/2016: EX 446 EQ 448 TU 446
Message 1 of 11
10 REPLIES
Valued Member

Re: Discover IT card approval

Congrats!

Message 2 of 11
Established Member

Re: Discover IT card approval

Congrats!  I love my DISCO IT


EX 647 7/2017
TU 634 7/2017
EQ 643 7/2017

Message 3 of 11
Valued Contributor

Re: Discover IT card approval


rguija wrote:

After a decade of waiting to apply for a discover card... I was approved yesterday Smiley Happy

 

Discover IT card - 6k credit limit - 14 months 0% rate - Pulled EQ 646

 

I read that they usually pull EX but that was a lie, it was an EQ pull. Now, back to the garden Smiley Happy


Congratulations not a bad sl either. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 4 of 11
Valued Contributor

Re: Discover IT card approval


rguija wrote:

After a decade of waiting to apply for a discover card... I was approved yesterday Smiley Happy

 

Discover IT card - 6k credit limit - 14 months 0% rate - Pulled EQ 646

 

I read that they usually pull EX but that was a lie, it was an EQ pull. Now, back to the garden Smiley Happy


Congrats! Not sure where you heard they were an EX puller, but they are primarily an EQ puller for new accounts, and TU for your credit scorecard. Sometimes they pull EX if your EQ isn't strong enough, so they can see if you have any baddies that might be hiding. 



Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/29/17): 746 EQ 721 TU 719 EX
Message 5 of 11
Super Contributor

Re: Discover IT card approval

Thats a long time to wait lol, congratsSmiley Happy EnjoySmiley Happy
Message 6 of 11
Senior Contributor

Re: Discover IT card approval


rguija wrote:

After a decade of waiting to apply for a discover card... I was approved yesterday Smiley Happy

 

Discover IT card - 6k credit limit - 14 months 0% rate - Pulled EQ 646

 

I read that they usually pull EX but that was a lie, it was an EQ pull. Now, back to the garden Smiley Happy


What you read was not a lie. They just so happened to pull EQ in your case.

NFCU Platinum $7300- AMEX BCP $9000- PenFed Power $11000- Chase FU $11700- DCU Platinum $15000- Care Credit $15000- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 12/9/17** EX- 756(16) TU- 775(15) EQ- 742(15) UTI 8%- Clean Files
Message 7 of 11
Regular Contributor

Re: Discover IT card approval

Discover pulled EQ for my secured card. I'm on east coast.

 

Is that your FICO 08 score from then, or the score they gave you as part of your application? (The Discover provided score with my app was 67 points lower than my EQ 08 pulled a few days later, after the card appeared on my report.)

2017-09-09 FICO 08: EQ 677, TU 640, EX 705
2017-11 FICO 08: TU 700, EX 716
2017-12 FICO 08: EX 722
Gardening until Jan 1, 2018
Approvals Data Dump: https://pastebin.com/Lz7yZZvv
Message 8 of 11
New Member

Re: Discover IT card approval

Hello,

 

It was my Fico 08 score.

The only thing I know about credit is: pay your bills on time and be patient
Current: EX 675 EQ 657 TU 642
11/2016: EX 446 EQ 448 TU 446
Message 9 of 11
Regular Contributor

Re: Discover IT card approval

East coast here. I had them pull Experian in May (too many new accounts/new inquiries) and attempt to pull Equifax in October (approved).

Congrats! 🎉🎊🎈


_______________________________________________________________
April 2017 FICO 8 Scores - EX 695 | EQ 621 | TU 655
November 2017 FICO 8 Scores - EX 730 | EQ 745 | TU 737
Message 10 of 11