Frequent Contributor
Posts: 474
Registered: ‎09-12-2010

Re: Discover App

I'll probably wait 6 months from my last inquiry 2 months ago and if its a nogo then wait a year while paying down my balances. Should be at 3% utilization in 4-5 months

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Valued Contributor
Posts: 1,273
Registered: ‎09-22-2009

Re: Discover App

Discover is notorious for looking at the whole picture other than just a simple credit score.  They are also not known for giving generous credit lines - even to those whose scores and history are in far better shape than yours.  I've seen people with your score get discover cards, but not very often.  I've never seen anyone (at least here on MyFico) who is 20 years old with 17 open and relatively new accounts, with more than a dozen inquiries on their reports get a Discover card - even those like you who seem to use what you have responsibly.  Don't be in such a rush.  Mellow out a bit and let what you have grow for a while.  In all honesty, (I assume you're looking for a truly honest assessment) I wouldn't apply for anything for five years.  More isn't necessarily better.  Believe me, I know! :smileywink:  

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
Established Member
Posts: 31
Registered: ‎04-06-2011

Re: Discover App

I agree with the above poster.
Posts: 46
Registered: ‎05-04-2011

Re: Discover App

Just trying to give you advice here....not trying to tell you what to do.....


I really think you should ask yourself why you're addicted to credit (credit cards)?

Wrap up all your cards in a rubber band and stick them in your dresser drawer and don't use them for 3 months.

Then ask yourself what you were thinking?

If you keep up with this behaviour at 20, you're risk for charging off by 27 is about 93%.


EX=800, EQ=814, TU=946

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