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So I closed on my first morgtage a couple weeks ago and had an itch to apply for the discover it. I only have on true prime card "barclay NFL" which has been lovely to me...started at $500 limit about 8 months ago and have since been bumped to $4500 however the other two cards are secures...bleh. Anyhow I got approved for the Discover "it" with a crappy $500 limit, I am excited to know they accepted me since about a year and a half ago I was DEINED. Anyhow they wouldn't consider an increase, is this card worth activating and does it grow? Also what are some recommended cards to obtain before I go to the garden. Figured once I had some credit in line I would sit back & relax...
@guardmama04 wrote:So I closed on my first morgtage a couple weeks ago and had an itch to apply for the discover it. I only have on true prime card "barclay NFL" which has been lovely to me...started at $500 limit about 8 months ago and have since been bumped to $4500 however the other two cards are secures...bleh. Anyhow I got approved for the Discover "it" with a crappy $500 limit, I am excited to know they accepted me since about a year and a half ago I was DEINED. Anyhow they wouldn't consider an increase, is this card worth activating and does it grow? Also what are some recommended cards to obtain before I go to the garden. Figured once I had some credit in line I would sit back & relax...
You might as well go ahead and activate it, since it will be on your reports anyway, and you've already taken the hit for the inquiry.
They can be good with CLIs but it depends on what your credit report looks like. What are the negatives / derogatory accounts showing?
Discover likes usage. In my experience they are willing to overlook other "baddies' if you treat them right. I have relatively high util across the board (about 50%) , but I always spend up to my limit and PIF with discover. In a little over a year I went from a $400 cl to a $4250 cl. Not my highest Cl but my highest has been open for almost 8 years. If you treat them well they will treat you well. ShopDiscover is a great place to buy things and get cashback easily as well.
As others have said, go ahead and activate it. If you use it a fair amount, they will probably be good with CLIs. They started me with a 1700 limit in Nov. 11, which I was not happy about, but they increased it to 4000 this past February (and also gave me a year of interest free purchasing to get me to use the card more), and I'm glad I kept the tradeline open.
Thanks guys I will open it, is it worth me applying for the Quicksilver Capital one card? I currently have a secured card with them that really does me no good, its $300.
Yes, I think you get 5% off when you use the Lowes card. Sounds like a good one for you.
Congrats on the new home and Discover card.
Walmart also may be within your reach and the free fico score is a plus. They pull TU
I'm thinking of bring out the IT Card from SD Status, tomorrow i'm going to do some service calls around NJ and Company employees never keep the company van at full
and next week i may be going to (drive) Chicago and requires lots of gas and food money thankfully it'll be all reimbursed when i get back and on payday
considering IT/Freedom or capital one Quicksilver One