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I was approved for $11.5k with a mid-600s score last December. Highest CL at the time was only $1500. I have multiple settled chargeoffs from 4-5 years ago and no inquiries 6 months prior to application (but it was part of a spree).
My score was in the ~670 range when I apped. All of my derogs. were paid in full with the exception of 1. I disputed an account with GMAC in an attempt to have the account removed early. Sadly, GMAC updated my reports with the deficient account balance. I went from an account with a $0.00 balance to one with a $19k balance. I believe the only thing that worked in my favor was 95% of my derogatory accounts was nearing the allowed reporting time. Also, I do have a relatively high income at $102K. I also have 2 mortgages which have been paid on time for the past 3-4 years.
I did not receive an automatic approval. After calling in, Discover made a counter offer. The initial app was for a card with a lower rate + longer 0% intro balance transfer offer.
The terms offered in their counter offer included a much higher interest rate and a shorter 0% intro balance transfer promo. I accepted and I was offered a 1K limit. I ran a lot of transactions through the card (almost $2,500 a month) and made multiple payments throughout the month. At day 61, I called and informed them that I travel frequently and the 1K limit wasn't satisfactory. Discover increased my limit to 6K.
The interest rate is still really high on the card, however I mostly pay in full each month. As time passes, I continue to request rate decreases.
My scores are kind of all over the place, 653 TU Fico, 691 EQ 08. 729 EXP. Also my FICO with Barclay is 697. I applied last night for Discover and was instantly approved, but I don't know for how much of a limit. I called them but they said my application was still in process.
I have a bunch of inquiries from March and 10 new accounts. An old collection on TU and EX. I was banking on them pulling EXP or EQ. I haven't gotten any alerts yet that they pulled anything, so I am not sure what is going on.
4:00 pm - edited to add - I called Discover and they gave me a limit of $5200! That is my largest limit, and I'm happy it's over the $5000 mark! Happy!! I was so excited i forgot to ask what CR they pulled.
I just recently (2 weeks ago) apped for the Discover IT card. My AAoA was bearly a year and the discover card was part of an app spree i went on of about 7 new cards so I had several new accounts and had about 14 inq due to the new cards and the rest were from october when I bought my car. Anyway long story short my scores were 680 TU, 676 EQ, 730 EX and I got the 7-10 day message but noticed it showed an 800 number to call for quicker processing and I called. Was put through to a senior analyst and she was super nice to me! She asked about my recent inquiries which i explained was due to me wanting to get more prime cards and cancel all of my low end, high rate cards that I currently have and that Discover was such a great card I wanted it for my go to daily card and she agreed that that made since and informed me in the future since I'm new to the credit thing to be sure and try and keep down the inquiries as they reflect poorly on your CR. After that she told me that she could approve me for $2.5K right now and I'd get more CLI's as my account aged.
Credit Profile:
No neg/derogs
AAoA 1yr
Inquiries 14
New Accounts 7
Scores 676, 680, 730
Hope this helps! And they pulled EX for me in KY!
Got approved for a discover card with 646 credit score , not sure how
I was approved last July with a 680 score, I believe 4 recent inquiries and 1 new account. 1 paid collection from the year before, no CC debt and an income over 100k. I was instantly approved for $6,000