Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

IN with Discover IT! Woot!

[ Edited ]

OK I got an "invitation" to apply for the Discover IT and figured what the hell...I'll take a chance...it's been a year and a half.

 

Screen shot 2013-11-29 at 1.18.14 PM.png

 

It didn't tell me the limit right away but I called in and was told I was approved for $1,500! I didn't get the 0% APR for 14 months as in the offer letter but got 3.99% APR for a year and then 18.99% after that.

 

I was SHOCKED because I have an unpaid collection account on my EQ report and thought that would be a deal breaker...looks like Discover is being a little generous for the holidays!

 

I want to thank my MYFICO fam for all the help...this is purely exciting and a real leap forward. First prime card!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Frequent Contributor
Posts: 304
Registered: ‎04-22-2013
0 Kudos

Re: I am IN!!!

CONGRATS!



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Mega Contributor
Posts: 17,178
Registered: ‎08-08-2011
0 Kudos

Re: IN with Discover IT! Woot!

Congrats! Welcome to the Discover family. Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10.9k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.5k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
0 Kudos

Re: IN with Discover IT! Woot!

Congrats!

Regular Contributor
Posts: 144
Registered: ‎09-17-2012
0 Kudos

Re: IN with Discover IT! Woot!

[ Edited ]

Congrats!!!! and welcome to the Discover Family (They will always tell you their conservative) but they are the nicest people in the credit biz and there app is amazing! Make sure you check out the designs as well! I have the Beach version, its cool and I recommend it because its so appealing to the eye!!

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Valued Contributor
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

Re: IN with Discover IT! Woot!


ReaLiLJ wrote:

Congrats!!!! and welcome to the Discover Family (They will always telly you their conservative) but they are the nicest people in the credit biz and there app is amazing! Make sure you check out the designs as well! I have the Beach version, its cool and I recommend it because its so appealing to the eye!!


I know! I wanted the NY skyline one but I didn't get a chance to pick. I'll choose one once I get the card or can log on online.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Regular Contributor
Posts: 260
Registered: ‎11-28-2013
0 Kudos

Re: IN with Discover IT! Woot!

Congratsss!!!!

Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0 Kudos

Re: IN with Discover IT! Woot!

You got it Yay

A BIG CONGRATS Smiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 883
Registered: ‎09-12-2011
0 Kudos

Re: IN with Discover IT! Woot!

Congratulations on becoming a new Discover Cardmember!  Perfect timing, too!  5% cashback on online shopping - Happy Holiday Shopping!  Smiley Happy

 

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Re: IN with Discover IT! Woot!

Weird they didnt give you the promo rate. But congrats on the approval!!

As of 2017, rebuilding...

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.