04-20-2017 08:17 AM
With a 2400 credit limit is this good? Do you have to have good credit to get approved for the discover card? This is my first time posting and I just joined the community here at fico I'm excited 😊 and I get so tempted to apply for credit cards any input would be fantastic thanks in advance
04-20-2017 08:29 AM - edited 04-20-2017 08:36 AM
Welcome and congrats on your approval. My belief is that your overall profile matters (not just credit scores). If you don't mind, take a little time and post your stas such as:
- FICO scores
-utilization (if any)
- installment loans
Give us a little history and what your goals are with credit. You will get tons of advice, opinions and guidiance....congrats again and good luck on your journey!!...
04-20-2017 10:04 AM
Discover tends to be a little conservative out of the gate, but roughly sometime after the third billing cycle if your scores are progressing..or you are where you are now.. youll likely get an auto CLI.... (I think they treat it like a probationary period and gives them time to figure your spending habits and such) if not can try for one around that time ... if you can, try to wait a week after your third statement then manually submit a CLI... otherwise if they auto CLI you,, go online and request one and you might be able to "double dip" Usually if they auto CLI you, there can be "more for the asking".... and they use a soft pull for CLIs... only if you get explicitly asked to by a CSR for a hard pull, or you get a checkbox saying this will be a hard pull.. (not might since the soft says we may pull your CR for request... but its a SP unless explicitly saying so)
04-20-2017 02:49 PM
04-21-2017 06:20 AM
congrats... I recently got approved for a Discover It as well. I have such high hopes for this card...they had me once I saw the cute package it came in. Presentation is everything :-) The information given in this community is Grand. Welcome to the Disco!
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