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happy101
New Contributor

Discover More

I received the dreaded "We received our application, but...... " I called customer service and connected to a nice lady who approved with a $2000.00 CL. Looks like its gardening time! I do not need any more cards!!!!
Message 1 of 14
13 REPLIES 13
afbar1114
Valued Contributor

Re: Discover More

congrats. i hear its a good card. discover has a slot waiting for them in my wallet

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 2 of 14
happy101
New Contributor

Re: Discover More

I'm excited! My credit portfolio is complete... Amex Rewards Gold-Charge; Amex Skymiles Gold; Amex Blue Cash; CiTi Forward & Plat Dividends/; Chase Marriott Signature Cap1 and Orchard secured = closing later the year!!!!( maybe) Only card I would cosider would be Chase Freedom...Maybe next year...
Message 3 of 14
Meltdownblitz
Frequent Contributor

Re: Discover More

Congrats, I love my Discover More, I'm sure you will too. And btw nice set of cards you got there.



Barclays Uber - 4% Restaurants, 2% Online Purchases/Everyday Card || PenFed Cash - 5% Gas || Amazon Visa Signature - 5% Amazon || U.S. Bank Cash+ - 5% Utilities, 5% Cable/Internet || AMEX BCP - 6% Groceries || WF Cash - Cell Insurance || Rotating 5% Categories - Chase Freedom, Discover It, Citi Dividend || AMEX Zync - For Fun!

Message 4 of 14
Anonymous
Not applicable

Re: Discover More


@happy101 wrote:
I received the dreaded "We received our application, but...... " I called customer service and connected to a nice lady who approved with a $2000.00 CL. Looks like its gardening time! I do not need any more cards!!!!


What were your scores? and which bureau did they pull?

Message 5 of 14
r34dy2fly
Contributor

Re: Discover More

I believe Discover uses TU. I've seen them both on EQ and TU.

Message 6 of 14
happy101
New Contributor

Re: Discover More

They pulled from EQ and score was 690 myFico.
Message 7 of 14
happy101
New Contributor

Re: Discover More

Thank you!
Message 8 of 14
languedoctor
Valued Member

Re: Discover More

Discover definitely uses TU as well. 

 

Last month, I requested a "soft" CLI from Discover in preparation for a mortgage app (higher limit = lower utilization). They used a soft pull from TU. And they kept their word - it didn't show up as a hard inquiry.

 

I'm sure there are exceptions, but in my experience, Discover reps tend to be well-informed, polite, and just generally helpful. 

Barclay's Aviator Red | Bank of America Cash Rewards | Chase Freedom | Citi AAdvantage Platinum Select | Discover It
(too dumb to figure out images)
Message 9 of 14
afbar1114
Valued Contributor

Re: Discover More

does the $3k min apply to the 5% cash back ?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 10 of 14
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