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I think it might be best that you wait not because you might get denied but because the hard pull will hurt your score. My util was 2% with credit karma score 773 and my score when down 30 points after the app. I almost literally flipped out when I saw it. The score climbed back up but it's still not 773. If you don't need the card then just wait. I'm sure they'll later come out with monetary incentives when you apply which they do not have right now.
Well I did not know your util was that high, definitely wait until you reduce it below 15%.
Wait garden for awhile work on UTI then apply
I agree with those that advise wating until util. is lower. Discover seems willing to overlook mistakes that are 5 yrs old or older, but current high utilization is most likely going to be a problem. BTW, when I got my card in March they pulled TU.
@FocusedAndDetermined wrote:I agree with those that advise wating until util. is lower. Discover seems willing to overlook mistakes that are 5 yrs old or older, but current high utilization is most likely going to be a problem. BTW, when I got my card in March they pulled TU.
Its likely ro produce a toy limit if approved.
I apped with 15% util across 4 cards and was given a starting limit of $1200. I think they cared more about income than utilization in my case.