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APPROVED Discover More!!

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Mustangfrank
Regular Contributor

Re: APPROVED Discover More!!

Congratulations !!

 

How long was your credit history with your cards when you applied for your discover card ?

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 11 of 24
JonStur
Established Contributor

Re: APPROVED Discover More!!

Welcome to the family!!!!!!


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 12 of 24
Cadillac-XTS
Established Contributor

Re: APPROVED Discover More!!

Congrats

Message 13 of 24
maiden_girl
Valued Contributor

Re: APPROVED Discover More!!


@youngandcreditwrthy wrote:
Congrats!!
Know your scores at time of approval? I'd like to know as I may app for a Discover soon:-)

No idea!! I don't think they'll likely tell me my scores since I was approved tho...my TU FAKO score was 722 according to credit karma and 704 accordintg to credit seasme. So my guess would be that my FICO score was in the high 600s to low 700s if that helps.

 

As of 2017, rebuilding...
Message 14 of 24
creditnocash
Valued Contributor

Re: APPROVED Discover More!!

Congrats. 

ive been getting pre approvals for more but have no desire to get a discover card.... or get more inquries

 

just an fyi op. 

call macys and ask for a cli if you want one (unless its a new card)

ive read on here and from personal experience that they are soft pull. 

 

 

 

 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 15 of 24
maiden_girl
Valued Contributor

Re: APPROVED Discover More!!


@Mustangfrank wrote:

Congratulations !!

 

How long was your credit history with your cards when you applied for your discover card ?


I'll start with my oldest trade line to my newest. My oldest account age is 1 year and 10 months. My AAoAs is around 4 months now I believe.

 

1.Capital One - started with $500 CL. Currently at $750. Opened 11/2010

 

2. Macy's - started with $100 CL. Currently at $1,000. Opened 9/2011

 

3. GECRB Living Spaces (Joint) - $5,500. Opened 5/2012

 

4. GECRB Ashley Furniture (Joint) - $5,500. Opened 8/2012

 

5. GECRB Amazon Store - $1,000. Opened 9/2012

 

6. Discover More - $1,500. Opened 9/2012

 

My #3 and #4 cards gave me the biggest boost in credit due to opening it jointly. I am the primary account holder and pay the monthly payment on it but I had to enlist the help of someone with a much longer credit history than my own--aka my mom--to help me. Once I opened the two store cards, I had more revovling credit and my current CCs were more willing to extend me credit as well as other creditors were willing to bet on me. Was on a bit of an app spree before applying for the discover card. My CS will take a big hit.

As of 2017, rebuilding...
Message 16 of 24
maiden_girl
Valued Contributor

Re: APPROVED Discover More!!


@creditnocash wrote:

Congrats. 

ive been getting pre approvals for more but have no desire to get a discover card.... or get more inquries

 

just an fyi op. 

call macys and ask for a cli if you want one (unless its a new card)

ive read on here and from personal experience that they are soft pull. 

 

 

 

 


I just requested a CLI from Macys like 3 days ago. I don't think they'd go for it. LOL. I have a feeling they'll be offering me a AMEX in a few months tho. I like to use my Macys card to get the extra % off but I don't shop in Macys that often to use it.

 

As of 2017, rebuilding...
Message 17 of 24
lithium78
Established Contributor

Re: APPROVED Discover More!!

Congrats on the Discover More!  The best feature is ShopDiscover.  I have saved so much money using that service for stuff I was already planning to purchase.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 18 of 24
maiden_girl
Valued Contributor

Re: APPROVED Discover More!! *UPDATED*

Discover pulled EQ...716 at time of application! Smiley Very Happy

As of 2017, rebuilding...
Message 19 of 24
webhopper
Moderator Emeritus

Re: APPROVED Discover More!!

Congrats!

 

Discover is a nice card to carry!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 20 of 24
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