Credit Cards

[Romeoo47]

TU in Texas (Plano)

[score_building]

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 fevmlo wrote:

TU for me in 2008 in OH.

EX for me in 2007 (when I got a denial) also in OH.

Wouldn't worry about missing out on the pre-approval if you wait 'til July. Where there's one Discover pre-app, others are sure to follow, I promise you! I took them up on the first offer that landed in my mailbox (as I was very excited to receive one, having been wanting the card enough to app and get declined a year previously!), and I received maybe 6 or 8 more within a few weeks, after I'd got my card.

If your original plan was to wait until July, I'd stick with it - the older your existing accounts, the fewer inqs you have on your reports, and the higher your scores, the better things are bound to go! If they want you as a customer now, they'll still want you in July... and maybe with a higher CL, etc etc.

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+1

i apped on 1st preapp i got too (12/08), also received several more preapps after approval.  good that you're planning to app when you know you'll feel ready.  i was denied on EX more than a year prior to my approval last december.

[rjf78]

They pulled my eq in Maryland, had a fico of 740. Got my card on Sat., 6K line. The inq put me down to 739 and then when the account reported my score went to 745. Go figure.... 

[VEEnVEGAS]

Just a heads up....I received a pre-approval from Discover in Dec. also. I put off apping until after it had expired. I did a cold app online instead. I was approved with a $5000 limit but did not receive the APR that I was offered in the pre-app. Several points higher...totally wishing I had waited to receive another pre-approval. I think you often get the best terms that way.

I'm in NV and they pulled EQ, my worst score, the only report still showing my 8 yr. old BK and the only report with my one baddie, a 6 yr old Dr. bill.  They softed EX for the pre-approval. 

[tempusfugit123]

Thanks everyone for your answers! I believe that they will definetly pull TU because I live in Dallas and everyone I talk to that lives in the area have had TU pulled. I was going to app for this and if I was denied I was going to go with the Bofa secured instead but Im going to apply for the secured anyways and no more applying for credit for me for 2 years.