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New Contributor
Posts: 56
Registered: ‎05-28-2013
0

Discover IT

 It seems the Discover IT is aggressively expanding their customer base by issuing its cards to those with less than perfect credit,including myselfSmiley Happy I just hope people don't abuse it and use responsibly, so that others in need of major card can be benefited from them.I sure don't want to see anyone being stuck with blood suckers like Credit One/Capital One.

Kudos to Discover IT for giving me a second chance!

Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
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Re: Discover IT


roastbeans wrote:

 It seems the Discover IT is aggressively expanding their customer base by issuing its cards to those with less than perfect credit,including myselfSmiley Happy I just hope people don't abuse it and use responsibly, so that others in need of major card can be benefited from them.I sure don't want to see anyone being stuck with blood suckers like Credit One/Capital One.

Kudos to Discover IT for giving me a second chance!


Congrats and use well

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor
Posts: 304
Registered: ‎04-22-2013
0

Re: Discover IT

[ Edited ]

CONGRATS! BTW whats your credit profile look like and scores? im curious



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
New Contributor
Posts: 57
Registered: ‎07-10-2013
0

Re: Discover IT

That's good to hear. I've attempted 2 recons with them after a recent denial and no love was shown. Maybe the tides will change after gardening for the next 6 months.

 

 

Chase Sapphire Preferred $10,000 | United Mileage Plus Visa $8000 | Bank of America Cash Rewards $5000 | Chase Freedom Visa $4800 | Citi AAdvantage Platinum World MC $3500 | PayPal Extras MC $3250 | Amazon Store $3000 | Quicksilver One MC $2500 | Walmart Discover $2000 | Merrick Bank Visa $1400 | First Premier Bank $300
Last App 01/10/2014... In the Garden until Fall 2014
New Contributor
Posts: 56
Registered: ‎05-28-2013
0

Re: Discover IT

They pulled Experian with my score being 649(lowest of all three agencies) and I have two judgement,about 4 yrs old on my credit report.Also my credit history is short,about 2 and half yrs(this was the reason I was turned down by Barclay before even with TU score of 720),but during that time I 've managed capital one/credit one well.No idea if that helped me or not.

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Discover IT

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Discover IT

What was your CL, and did you recon anything
  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Discover IT

Congrats! Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Frequent Contributor
Posts: 408
Registered: ‎07-31-2010
0

Re: Discover IT

+1

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New Contributor
Posts: 56
Registered: ‎05-28-2013
0

Re: Discover IT

Jutz,

My CL is 2,200 and was approved instantly, so no recon was needed.By the way when I called to activate the card I was pleasantly surprised by very pleasant English speaking American customer service.Nothing against "others",but I do have some problem understanding them at times.

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