Re: Discover More card approved

GeneralCucumbre · ‎08-14-2012

So, I decided to go ahead and give Discover a shot and was tempted by their $200 bonus after spending $1500 in three months. Anyway, I was approved online instantly with a credit line of $2000 and got 0% interest for 6 months...I believe? But then the APR is 18.99% afterward (YIKES!!! Will not be carrying a balance on this card!!)

Not the greatest credit line and rate to be approved for but I will take it. I was kind of expecting Discover to give me a credit line on the lower end considering that I have seen many people on here with high lines on other cards (higher than mine even) get approved for a Discover card with a rather low starting line. I was not expecting to be given an APR that high though...perhaps it was my recent opening of my Chase Sapphire in April and my USAA MasterCard in June that triggered that.

I am not sure yet which bureau was pulled. But anyway, I'll go ahead and keep the Discover card...this adds a variety to my wallet rather than just Visa and MasterCard. Hopefully in time, Discover will grow with me and the credit line will rise and the APR will decrease.

AMEX Green Corporate - NPSL | AMEX Everyday - $60,000
Chase Freedom Unlimited Visa Signature - $49,500 | Chase Freedom Visa Signature - $27,300 | USAA Platinum Visa - $26,000

jsickz32 · ‎08-14-2012

i dont see the $200 offer on their site.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

GeneralCucumbre · ‎08-14-2012

@jsickz32 wrote:
i dont see the $200 offer on their site.

It shows up under the card builder site.

AMEX Green Corporate - NPSL | AMEX Everyday - $60,000
Chase Freedom Unlimited Visa Signature - $49,500 | Chase Freedom Visa Signature - $27,300 | USAA Platinum Visa - $26,000

jsickz32 · ‎08-14-2012

oh i didnt know you could choose options like that..

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Madman94044 · ‎08-14-2012

Me either, I just opened a More card, .missed out on that bonus

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000

j_casteel · ‎08-14-2012

who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?

**whogavemecredit is currently down so please don't just post a response telling me to go there.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Anonymous · ‎08-14-2012

Discover gave me 1500 -- wasn't really happy about it. I am going to tell them in 6 months to raise it to at least to 5000, or else i might just close the account.

iMacDrew · ‎08-14-2012

Congrats now you can pc it to the it card!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703

GeneralCucumbre · ‎08-14-2012

@j_casteel wrote:
who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?

I am not sure which bureau Discover pulled, it hasn't updated on my reports yet. But however, my scores are not sky high...they are mid-lower 700's. Experian is 742, Equifax is 728, and TransUnion is 737.

AMEX Green Corporate - NPSL | AMEX Everyday - $60,000
Chase Freedom Unlimited Visa Signature - $49,500 | Chase Freedom Visa Signature - $27,300 | USAA Platinum Visa - $26,000

j_casteel · ‎08-14-2012

@GeneralCucumbre wrote:
@j_casteel wrote:
who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?
I am not sure which bureau Discover pulled, it hasn't updated on my reports yet. But however, my scores are not sky high...they are mid-lower 700's. Experian is 742, Equifax is 728, and TransUnion is 737.

thanks

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Discover More card approved

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Discover More card approved