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Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Any Reason Not to App for Discover?


steve23111 wrote:

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!


My PSECU Visa has 9.9 APR, you should have better than that with 800 scores!! I'd be calling!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?


LS2982 wrote:

steve23111 wrote:

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!


My PSECU Visa has 9.9 APR, you should have better than that with 800 scores!! I'd be calling!!


Remember, my BK7 just fell off my records in May.  I was stunned when BB&T approved me at that low APR about two years ago, and am still convinced their computer system and/or credit analyst was smoking something.  It was, however, by far the most thorough application process I've ever gone through, just barely stopping short of requiring I mail in a blood sample.  Otherwise, all of my other cards-- including three AMEX cards (Zync, BCP, and Clear) and my GE PayPal MC-- were acquired with the BK7 on the record and having burned AMEX in the BK.  Besides, none of those cards offer low APR's to begin with.  My score went up by about 100 points when the BK fell off, so this Chase Freedom is my first approval since the BK came off my records.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Any Reason Not to App for Discover?

CONGRATS!!! i knew you were gonna get it. i WISH i had your limit. mine is missing that last 0 lol:smileywink:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?


gettnthere wrote:

CONGRATS!!! i knew you were gonna get it. i WISH i had your limit. mine is missing that last 0 lol:smileywink:


Thanks! Now, I wonder if they will issue a standard Visa or if this will be a Visa Signature card given the credit limit is over $5000?
5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Any Reason Not to App for Discover?


LS2982 wrote:

steve23111 wrote:

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!


My PSECU Visa has 9.9 APR, you should have better than that with 800 scores!! I'd be calling!!


But PSECU is a credit union, and credit union tends to have lower APR. A 12.9% from Chase is very good already.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?


trumpet-205 wrote:

LS2982 wrote:

steve23111 wrote:

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!


My PSECU Visa has 9.9 APR, you should have better than that with 800 scores!! I'd be calling!!


But PSECU is a credit union, and credit union tends to have lower APR. A 12.9% from Chase is very good already.


12.99% is the lowest APR offered on the Chase Freedom.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Any Reason Not to App for Discover?


steve23111 wrote:

trumpet-205 wrote:

LS2982 wrote:

steve23111 wrote:

As nice as the $6000 CL is, the 12.99% APR is quite an achievement for me, too.  My lowest APR card is still my BB&T Platinum Visa at 11.15% or somesuch craziness; the others are all 17 to 23%.  Needless to say, I'm delighted!  Thanks for the recon information, y'all!


My PSECU Visa has 9.9 APR, you should have better than that with 800 scores!! I'd be calling!!


But PSECU is a credit union, and credit union tends to have lower APR. A 12.9% from Chase is very good already.


12.99% is the lowest APR offered on the Chase Freedom.


You can get it even lower once you have some experiences with the card and call in.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?


steve23111 wrote:

gettnthere wrote:

CONGRATS!!! i knew you were gonna get it. i WISH i had your limit. mine is missing that last 0 lol:smileywink:


Thanks! Now, I wonder if they will issue a standard Visa or if this will be a Visa Signature card given the credit limit is over $5000?

Received the card today.  Standard Visa.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Established Contributor
emptypockets
Posts: 958
Registered: ‎02-03-2009

Re: Any Reason Not to App for Discover?

I don't know what the criteria is for the VIsa Signature, but clearly it is not just the credit limit. My limit when approved was $8k, and mine is a regular Visa.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775

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