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Got approved for a Discover it credit card

Got approved for a Discover it credit card

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 

Message 1 of 18
17 REPLIES
Valued Contributor

Re: Got approved for a Discover it credit card

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

-Inquires

-utilization (if any)

-collections/derogs

-AAOA

- 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!!...Smiley Happy

AmexPlat(NPSL) Amex BCP(26k) Chase CSP (25.9) BofA CR Siggy(15k) NFCU CLOC(15K) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart MC(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) Citi Diamond(6k) J Crew(5.9k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 681(18) EQ 672(18)TU 699(19) AAOA 3.3yrs TCL=193,550
Message 2 of 18

Re: Got approved for a Discover it credit card

Thank you doinit I have to figure out how to do all this cool stuff, I'll do some research thanks!

Message 3 of 18
Valued Contributor

Re: Got approved for a Discover it credit card

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) 

 

Congrats

 

Message 4 of 18
Established Contributor

Re: Got approved for a Discover it credit card

Congratulations! Welcome to Discover and welcome to myFICO!!!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 5 of 18
Frequent Contributor

Re: Got approved for a Discover it credit card

Congrats and an approval is always good!

Message 6 of 18

Re: Got approved for a Discover it credit card

Yayyy 😊
Message 7 of 18
Super Contributor

Re: Got approved for a Discover it credit card

Welcome and congrats on your new Disco. Id ssy 2400 is decent, im partial, got mine at 2500. One thing ill say for having a Discover, youll never be short on posts about Discover here. Trying to figure out Discover and all their intricacies is a bsttle we fight daily here in FicolandSmiley Wink. WELCOME TO THE FAMILYSmiley Happy
Message 8 of 18
Established Contributor

Re: Got approved for a Discover it credit card

Congratulations GangsterHarleyDavidson on your Discover approval & welcome to myfico! 😊
Message 9 of 18
New Contributor

Re: Got approved for a Discover it credit card

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!

 

Tee

Message 10 of 18