06-21-2013 03:01 PM
I was thinking about applying for Discover IT and was wondering what the best place is to apply at.
My wife is an existing card holder so she can send me a referral link. If I get approved, both of us will get $50 referral bonus. The problem is, I might not be able to take advantage of the 18 months balance transfer offer using this option. Can I?
Also, Amazon gives a $75 gift card after first purchase if applying through their website. There’s also a 14 months 0% APR and balance transfer feature with them.
What do you guys think is the best option?
06-21-2013 03:06 PM
06-21-2013 03:36 PM
06-21-2013 03:42 PM
06-21-2013 04:41 PM - edited 06-21-2013 04:47 PM
06-21-2013 04:47 PM
06-21-2013 04:49 PM
Citi can be extremely quirky for some people and there's essentially little to no means of recons. If you are not confident of an approval, its best to not go this route, because you are most likely going to be stuck with whatever CL they give you. Then again, the requirements are just about the same for chase and other prime banks, so its not really hard to get approved either. Do you have a lot of recent inquiries or new account? Or an high utilization?
Discover is easier to get approved for compared to citi. Some people have been able to get a temporary CLI for BT purposes, while some got a permanent CLI. It's gonna be a ymmv situation as well.
Citi is more generous with initial CL as well in my opinion.
Agreed. Citi approved my second CC with a CL of 7K, my highest initial CL ever to start.
06-21-2013 04:51 PM
06-21-2013 05:55 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.