Discover Approval

Maldanado · ‎12-01-2011

I wasn't approved for the better terms of the Discover More card, but they approved me for 3.9% intro with a $1000 CL. This is basically after being turned down by almost evryone else for too many inquirires......btw, I was accepted for a HSBC card last week with a 2k CL.

Starting Score: 628EQ 597TU
Current Score: 690EQ 662TU 669EX (lender pull)
Goal Score: 700+

Take the FICO Fitness Challenge

mAndrew1980 · ‎12-01-2011

Nice! Just curious, how many inq's do you have? 3.9% is a nice intro! Do you mind sharing your credit profile? Any baddies?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.

Maldanado · ‎12-01-2011

At this point I probably have 16 inquiries on my Equifax, because I went shopping for a car 2 weeks ago. I ended up with a 2009 Lexus RX at 5.4% through ESL Federal Credit Union. 4 negatives on Equifax, all paid though. 14 year student loan, 2 cards...the oldest is 5 mos Orchard $300 and Capital 1 secured 1k. 690 score. They most likely pulled Transunion which is currently at 642 with 6 or 7 inquiries, and actually 6 negatives. For some reason Experian isn't allowing anyone to pull.

Starting Score: 628EQ 597TU
Current Score: 690EQ 662TU 669EX (lender pull)
Goal Score: 700+

Take the FICO Fitness Challenge

Anonymous · ‎12-01-2011

Congratulations on the cards and the Lexus!

xlr8d · ‎12-01-2011

Congrats ! I got the same offer(apr/CL) ! Good card with no AF

Starting Score: EQ 515 TU 490 EXfaco 510
Current Score: EQ 660 TU 665 EXplus 661
Goal Score: 700

Take the FICO Fitness Challenge

Smug · ‎12-01-2011

I also got the 3.9 and had 18 ing and still 3 baddies.....loving discover

Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!

mAndrew1980 · ‎12-01-2011

Jesus, 18 inq's! I thought I was bad with 5 on TU.....Congrats to both of you!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.

Anonymous · ‎12-01-2011

What are some APR ranges you've seen for discover?

KIPPIE12 · ‎12-01-2011

Congrats on your approvals!

VEEVEE · ‎01-11-2012

Approved for Discover More 0% interest for 15 months 0% balance transfer 15 months. 22.90% after intro with 1000.00 cl. 666 Eq .