I just wanted to share my excitement with everyone! I had been receiving the mailers from them about 2 to 3 times a month. But was afraid to app because of what I read here about them being weird about approvals. My last mailer with the long invitation number was a pretty pink one with a range for APR 16.99 to 18.99.
My scores are Fako Trans 697 Equfax 712 ( credit Karma). AAOA according to credit Karma is 5 months. My longest over a year my shortest 3 months. Credit.com EXP 698.
I have a unpaid judgment filed Novemeber 2015 ( I am in the process of a dispute because I have no clue what it is or why it suddenly appeared on my report ).
So I went online and did the app using the number from the mailer. I was sure it was gonna be a denial. But it was NOT!!! I was approved for a 3000.00 line of credit!
I am super excited to get this card!
Also for other data points I have
Chase account Authorized user closed by husband but still reporting ( closed 5 years ago -- 12 years old )
Cap 1 secured 500 ( Oct 2015 ) PIF before statement every month
Citi 8000 as an authorized user (Nov 2015) -- currently at 28 percent UTI -- my husbands card
Cap QS1 1000 ( Sept 2016 ) -- I only let 10 dollars report each month
Victoria Secret 1000 ( Sept 2016 ) PIF before statement every month
HSN 3000 ( Sept 2016 ) PIF before statement every month
New York Company 750 ( Sept 2016 ) PIF before statement every month
So that is my credit profile in case others are looking to app for the card. I did throw out months worth of apps before trying. So not sure if waiting helped. But I am so excited to be approved and to start using the perks! I am not sure what the APR is yet or if I did get the first year at 0 percent. I could not tell how to find that info. I will wait for it to come and to see
Edited to add:
Discover scorecard Fico 752
3 inquires in two years 2 of them in the last 12 months.
Absolutely want to share your thrill over this.
It's a great feeling of relief with a first acceptance like that especially with things making for doubt and hesitation.
Now aren't you glad you took the chance? We are.
Congratulations! to your new ChristmasTime Discover Card Approval.
@Anonymous wrote:I just wanted to share my excitement with everyone! I had been receiving the mailers from them about 2 to 3 times a month. But was afraid to app because of what I read here about them being weird about approvals. My last mailer with the long invitation number was a pretty pink one with a range for APR 16.99 to 18.99.
My scores are Fako Trans 697 Equfax 712 ( credit Karma). AAOA according to credit Karma is 5 months. My longest over a year my shortest 3 months. Credit.com EXP 698.
I have a unpaid judgment filed Novemeber 2015 ( I am in the process of a dispute because I have no clue what it is or why it suddenly appeared on my report ).
So I went online and did the app using the number from the mailer. I was sure it was gonna be a denial. But it was NOT!!! I was approved for a 3000.00 line of credit!
I am super excited to get this card!
Also for other data points I have
Chase account Authorized user closed by husband but still reporting ( closed 5 years ago -- 12 years old )
Cap 1 secured 500 ( Oct 2015 ) PIF before statement every month
Citi 8000 as an authorized user (Nov 2015) -- currently at 28 percent UTI -- my husbands card
Cap QS1 1000 ( Sept 2016 ) -- I only let 10 dollars report each month
Victoria Secret 1000 ( Sept 2016 ) PIF before statement every month
HSN 3000 ( Sept 2016 ) PIF before statement every month
New York Company 750 ( Sept 2016 ) PIF before statement every month
So that is my credit profile in case others are looking to app for the card. I did throw out months worth of apps before trying. So not sure if waiting helped. But I am so excited to be approved and to start using the perks! I am not sure what the APR is yet or if I did get the first year at 0 percent. I could not tell how to find that info. I will wait for it to come and to see
You should be excited! Congratulations!
Thank you Credit Magic and Donny!
Yes I am very glad I did! I am still in shock
Also for another data point I wanted to add that the Discover Scorecard ( Experian fico 8 ??? ) has me at a 752 score.So it is way different than credit karma. But it also says I have 5 accouints so I do not think it counts the AU user ones. Not sure cause you can not see much detaill on it.
Very awesome approval for you - a big congrats! Just feels so great getting in with Discover! Enjoy your newest card!
Congratulations on your approval and your nice SL! Discover is awesome!
Congrats!
