A little over a year after my first denial from Discover because of low income, my situation has changed dramatically. I have two store MCs with $2,000+ limits, a $900 store card, and have FINALLY been promoted from part-time to full-time, which puts me over that $10,000 baseline for the IT. I estimated my new income with my promotion (I actually low-balled it by $3,000 or so because I can't be positive what I will actually make) and clicked submit. I'm finally approved for the card I've been wanting for what seems like forever. I haven't called to find out my limit yet (UPDATE: Approved for $3,000! I am in absolute shock.) but it's 0% intro for 12 months and then %12.99 after that. Not the amazing 0% for 14 and 10.99 after offer I got a couple weeks ago, but still better than my other terrible rate cards).
I still can't believe it. I need a glass of wine.
(UPDATE: After a lot of deliberation and a little bit of wine, I pulled the trigger on the AMEX BCE as well--APPROVED for $2,500!)
Paypal MC - $7,200 (12/13) | TJX MC - $10,000 (5/14) | Torrid - $3,000 (7/14) | Discover IT - $11,000 (11/14) | AMEX BCE - $5,000 (11/14) | Victoria's Secret - $2,850 (6/15) | Barclays Rewards MC - $10,800 (7/15) | AMEX ED - $7,500 (9/15) | Chase Freedom - $3,500 (6/16) | Maurices - $1,000 (6/16) | Citi Double Cash - $6,300 (7/16) | Ulta Rewards MC - $2,250 (7/16) | Chase Freedom Unlimited - $4,000 (4/17) | David's Bridal - $3,500 (11/19) | Capital One SavorOne - $8,000 (1/20)
CU Auto Loan - $10,684 - 60 Months @ 2.14%
Federal Student Loan - $28,218/$32,000 - Payoff Date: 12/2023
Congrats! Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
I kinda really want to app for AMEX now lol.