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Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
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Re: Am I ready for Discover More?


knoregs wrote:
I just tried logging in and couldn't. Said they were still setting up my account but suggested I check on status of app. When I did that I then saw the CL. It is $2K. I'm quite pleased with that... now the question arises... do I app spree? ~kn

You'd have a decent shot at AMEX Green if backdating is important to you...but they will likely pull all 3 of your reports.  I apped in October with 6 months history and was approved, but they HP'd all 3 bureaus.

 

TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
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Re: Am I ready for Discover More?

Congratulations!


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
Established Contributor
Posts: 574
Registered: ‎06-04-2012
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Re: Am I ready for Discover More?


isoldmyatlas wrote:

You'd have a decent shot at AMEX Green if backdating is important to you...but they will likely pull all 3 of your reports.  I apped in October with 6 months history and was approved, but they HP'd all 3 bureaus.

 


What's this backdating you speak of? I keep seeing mention of it but figured it didn't apply to me.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
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Re: Am I ready for Discover More?

A good explanation is here


knoregs wrote:

isoldmyatlas wrote:

You'd have a decent shot at AMEX Green if backdating is important to you...but they will likely pull all 3 of your reports.  I apped in October with 6 months history and was approved, but they HP'd all 3 bureaus.

 


What's this backdating you speak of? I keep seeing mention of it but figured it didn't apply to me.

 

~kn


 

 

TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Blogger
Posts: 3,360
Registered: ‎10-19-2012
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Re: Am I ready for Discover More?

[ Edited ]

Now is a very good time to apply for your first Amex. I actually recommend the Gold Skymiles over the Green. The former offers a sign-up bonus, and will help your total credit limit to top it off.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Am I ready for Discover More?


knoregs wrote:

isoldmyatlas wrote:

You'd have a decent shot at AMEX Green if backdating is important to you...but they will likely pull all 3 of your reports.  I apped in October with 6 months history and was approved, but they HP'd all 3 bureaus.

 


What's this backdating you speak of? I keep seeing mention of it but figured it didn't apply to me.

 

~kn


They backdate your new account to your very first Amex acc. Let's said if you have one Amex CC in 2001. Then decided to apps another of their product today then your acc got backdate member since 2001. 11 years history.

I think you should get Discover. I got approved at 675. one of my buddie approved for 640 Fico score so i guess you should be fine.

Make sure you paid your CC uitli less than 9% before you hit for a new apps.

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 574
Registered: ‎06-04-2012
0

Re: Am I ready for Discover More?

[ Edited ]
Thanks. I got the Discover. Approved for $2K. But then I might've screwed up. Drunk with excitement from being approved I went a mini app spree. NO instant approvals but both Amazon Rewards by Chase and Sears by Citi said that the app needed "further review" and that they'd let me know in like 7-10 days or something like that. I've got my fingers crossed but either way, no more apps for the forseeable future.
~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Am I ready for Discover More?

[ Edited ]

knoregs wrote:

 


Thanks. I got the Discover. Approved for $2K. But then I might've screwed up. Drunk with excitement from being approved I went a mini app spree. NO instant approvals but both Amazon Rewards by Chase and Sears by Citi said that the app needed "further review" and that they'd let me know in like 7-10 days or something like that. I've got my fingers crossed but either way, no more apps for the forseeable future.
~kn

 


hahhaha someone get so excited there......But congrat on your first Prime land anw.......Treat them well.

About your amazon and Sears.......You should go ahead and call them ....either backdoor or Customer SErvice number.......Just ask them to check on your recent apps ......They might need to verify some info....that's all.......Good luck and keep us updated........

What term Discover offer you ?? any 0% apr or suchthing ???

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 574
Registered: ‎06-04-2012
0

Re: Am I ready for Discover More?

Yeah it was 0% apr for 15 months I believe. Which is nice because I might float a balance on it for 2-3 months.

 

~kn

 


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Am I ready for Discover More?

Nice i only get 4% for 6 months. ;-(


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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