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Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012
0

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)
Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: APPROVED Discover More!!

Welcome to the family!!!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: APPROVED Discover More!!

Congrats

Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

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.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

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.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

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.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
lithium78
Posts: 930
Registered: ‎07-30-2011
0

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
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: APPROVED Discover More!! *UPDATED*

Discover pulled EQ...716 at time of application! :smileyvery-happy:

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: APPROVED Discover More!!

Congrats!

 

Discover is a nice card to carry!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge

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