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Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012

Re: Any Reason Not to App for Discover?

Maybe on top of the 5000 min CL you gotta have a AF... thats what im guessing

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012

Re: Any Reason Not to App for Discover?

Conversely, I know someone who just got a Freedom Visa Signature card in the mail today with a $2,800 starting CL. Clearly it is not limit-dependent.

Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Any Reason Not to App for Discover?

Do you know what APR that person has? Maybe has something to do with APR?

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)
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Any Reason Not to App for Discover?

Congrats on approval!

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
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Any Reason Not to App for Discover?

I think I read somewhere that you are eligible for upgrade if you've managed an account with a 5k limit for over a year.

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
New Member
3DHpDTbR8d
Posts: 7
Registered: ‎07-19-2012

Re: Any Reason Not to App for Discover?

Try Commerce Bank Card Special Connections Reward card, I have a high limit through them and low APR. Right now there's a lot OF POINTS BACK for anything even cash.

Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012

Re: Any Reason Not to App for Discover?


trumpet-205 wrote:

Do you know what APR that person has? Maybe has something to do with APR?



12.99% variable purchase APR after a 0% promotional purchase and transfer APR for 15 months.

Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Any Reason Not to App for Discover?


SwampSystems wrote:

trumpet-205 wrote:

Do you know what APR that person has? Maybe has something to do with APR?



12.99% variable purchase APR after a 0% promotional purchase and transfer APR for 15 months.


That is the best rate for applying. FYI my Chase cards has 19.24% APR (0% APR for 6 months) with CL $3K, standard Visa.

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: 353
Registered: ‎08-09-2011

Re: Any Reason Not to App for Discover?


SwampSystems wrote:

trumpet-205 wrote:

Do you know what APR that person has? Maybe has something to do with APR?



12.99% variable purchase APR after a 0% promotional purchase and transfer APR for 15 months.


Same deal here.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled FICO 821 (car loan)
Established Contributor
emptypockets
Posts: 932
Registered: ‎02-03-2009

Re: Any Reason Not to App for Discover?

My Freedom has a 8k limit, and 12.99% variable purchase APR after a 0% promotional purchase and transfer APR for 15 months. It is a regular Visa, not a Signature. 


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 (6/2/2014): 817; EX (6/14): 775

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