Discover More APPROVED!

[awall41]

Good news just got approved for a Discover More!  Not the terms I wanted (0% for 6 months instead of 15 months) but the CSR said they DO NOT make the the intrest retroactive.  I had a $700 balance on my Cap1 card due to a vet bill for my dog and paying their horrible 22.99% was taking me forever to pay off.  I should be able to pay this off within 2 months and have 0% UTL.  They only gave me $1000 CL and would not match my highest CL of $1700.  I spoke with what the front line CSR called a, "Senior Credit Analyst".  Do you think it is worth trying to recon to match my highest CL?

Now off to the garden for me with a new Auto Loan, AMEX Zync, and Discover More.  My goal is to app for a AMEX PRG, BSP, and CSP in January.  Once my Cap1 AF hits I am closing them unless to PC me to a Venture or waive the AF and raise my limit.

Thanks everyone!

[LS2982]

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@awall41 wrote:

Good news just got approved for a Discover More!  Not the terms I wanted (0% for 6 months instead of 15 months) but the CSR said they DO NOT make the the intrest retroactive.  I had a $700 balance on my Cap1 card due to a vet bill for my dog and paying their horrible 22.99% was taking me forever to pay off.  I should be able to pay this off within 2 months and have 0% UTL.  They only gave me $1000 CL and would not match my highest CL of $1700.  I spoke with what the front line CSR called a, "Senior Credit Analyst".  Do you think it is worth trying to recon to match my highest CL?

Now off to the garden for me with a new Auto Loan, AMEX Zync, and Discover More.  My goal is to app for a AMEX PRG, BSP, and CSP in January.  Once my Cap1 AF hits I am closing them unless to PC me to a Venture or waive the AF and raise my limit.

Thanks everyone!

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This is the offer I got after recon, 3.9% for 6 months then 22.9. I'm gonna go back to the negotiation table on the 6th statement!!!

"May I present Exhibit A......................Chase Freedom card."

"This shall be your replacement if negotiations fail!!!"

[LTomBerry]

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@LS2982 wrote:

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@awall41 wrote:

Good news just got approved for a Discover More!  Not the terms I wanted (0% for 6 months instead of 15 months) but the CSR said they DO NOT make the the intrest retroactive.  I had a $700 balance on my Cap1 card due to a vet bill for my dog and paying their horrible 22.99% was taking me forever to pay off.  I should be able to pay this off within 2 months and have 0% UTL.  They only gave me $1000 CL and would not match my highest CL of $1700.  I spoke with what the front line CSR called a, "Senior Credit Analyst".  Do you think it is worth trying to recon to match my highest CL?

Now off to the garden for me with a new Auto Loan, AMEX Zync, and Discover More.  My goal is to app for a AMEX PRG, BSP, and CSP in January.  Once my Cap1 AF hits I am closing them unless to PC me to a Venture or waive the AF and raise my limit.

Thanks everyone!

---

This is the offer I got after recon, 3.9% for 6 months then 22.9. I'm gonna go back to the negotiation table on the 6th statement!!!

"May I present Exhibit A......................Chase Freedom card."

"This shall be your replacement if negotiations fail!!!"

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They are pretty good about lowering your APR every 6 months. When you call them after 6m, they'll probably give you a choice. They offered me 0% for 12mo or a permanent reduction of 3%, so 22.9% -> 19.9%. YMMV

[logan_720]

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@LS2982 wrote:

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@awall41 wrote:

Good news just got approved for a Discover More!  Not the terms I wanted (0% for 6 months instead of 15 months) but the CSR said they DO NOT make the the intrest retroactive.  I had a $700 balance on my Cap1 card due to a vet bill for my dog and paying their horrible 22.99% was taking me forever to pay off.  I should be able to pay this off within 2 months and have 0% UTL.  They only gave me $1000 CL and would not match my highest CL of $1700.  I spoke with what the front line CSR called a, "Senior Credit Analyst".  Do you think it is worth trying to recon to match my highest CL?

Now off to the garden for me with a new Auto Loan, AMEX Zync, and Discover More.  My goal is to app for a AMEX PRG, BSP, and CSP in January.  Once my Cap1 AF hits I am closing them unless to PC me to a Venture or waive the AF and raise my limit.

Thanks everyone!

---

This is the offer I got after recon, 3.9% for 6 months then 22.9. I'm gonna go back to the negotiation table on the 6th statement!!!

"May I present Exhibit A......................Chase Freedom card."

"This shall be your replacement if negotiations fail!!!"

---

I got those same terms as well! I'm sure with good behavior they will lower it

[Dishpro]

Which Bureau did they pull?

[greeneman21]

Congrats! At least you have your foot in the door. I got approved back in March 677 EQ score, my highest limit was 1.7k at capital one and they approved me for 6.5k @ 20.99, needless to say I was floored and shocked. Oh I'm in Tx and they also pulled TU which was in the 670's.

[awall41]

I'm in CA and the pulled EQ and TU.  Not sure why they did both but at least it's an approval!

[Dishpro]

Thanks and CONGRATS!

[Anonymous]

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@awall41 wrote:

I'm in CA and the pulled EQ and TU.  Not sure why they did both but at least it's an approval!

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same for me in Minnesota. Was a bummer

[awall41]

Now that I am on a little bit of a roll with approvals this month 2 out of 3 with the denial being Chase for high UTL %18.  I reconned with no luck.  Does anyone thing I should app for one more card to make 4 apps and let all the inq's age together?  I was thinking either Amazon store or one of the new chip cards from BOA.