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Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
0

Discover Miles Instant Approval

I wasnt going to do it, but I got hacked off over the whole signature flexible spending thing.

 

I hit the love button on Barclays US air and got a $1500 CLI, I was thinking, cool, especially seeing as I have added 2 accounts in the last 7 months, (The forementioned signature cards)

 

I have 0 balances on every card I have, and I use them all every month.

 

Today I got a letter in the mail from Barclay's saying that my initial CLI request was reduced to $1500 due to not having high enough credit limits with them or others.

 

Between the two signature cards, I have 20K CL, but I have only been able to put a couple of thoudsand on each of them, thus my 20K dosent show.

 

I swore I was done apping, and just going to garden, but I wanted a card that would SHOW a CL so I hit the Discover site for the preaproved offers.

 

To my surprise I had one, never have before and was declined with them last year.

 

I did the type of shame and blam instant approval 10K.

 

 

Maybe it was the wrong thing to do, but I feel better LOL, at least I have some CL showing now :smileyhappy: 

 

 

I am NOW going gardening, for sure for sure LOL.........Really this time. :smileyhappy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Regular Contributor
Credit_repair
Posts: 157
Registered: ‎01-30-2009
0

Re: Discover Miles Instant Approval

Congratulations :smileyhappy: I like Discover. It's my happy birthday month so I am getting 2% rewards on anything I am getting. It is my main card for the month!

Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Discover Miles Instant Approval

CONGRATS, minimock!

 

I'm still LOLing at the "type of shame".  :smileyvery-happy:

 

 

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Valued Contributor
tntexans72
Posts: 1,071
Registered: ‎04-24-2008
0

Re: Discover Miles Instant Approval

I like this card, it's on my radar in 2 yrs. Congrats !!

New Contributor
josh68684
Posts: 70
Registered: ‎10-26-2010
0

Re: Discover Miles Instant Approval

My birthday in August. I cant wait. Do they send you a letter about the bonus or do I have to sign up in the website?

■■■Experian - ■■■ Equifax - ■■■ TransUnion -■■■Goal: Score of 720 Across All three
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Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
0

Re: Discover Miles Instant Approval

[ Edited ]

FYI it was an Equifax hit. Which is cool, everyone ALWAYS hits Experian (DBA Beelzebub inc), LOL I hate Experian, they hide from you, and when you do finally get a real FICO score from a lender, its always the lowest with the exact same data as the others have.

 

Also, targeting a CR is near imposible. Last time they hit Transunion.

 

When I got Barclays USAIR they hit Transunion. When I got the CLI, they hit Transunion and Beelzebub.

 

There is no way you can target a CR with any accuracy. IMO

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)



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