Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: Discover More

pt2005 wrote:

maiden_girl wrote:

I just noticed Discover got rid of the credit score tracker...I was going to enroll today too. Damn.

I read from last week that Discover is paying $214 mil for court fines and stuff for "misleading" users to register for the ScoreTracker. Looks like they will hold on to it for a while to make some changes, or they will simply drop it.


Anyway, back to the original topic: I got approved for $1000 with 3.99 APR. Got 7-10 message. Called Analyst and talked to about 15 minutes. Finally he said "it looks like you're rebuilding your credit, right?" I said yes. Then he gave me $1000. That was Oct 2012. Since then I've been using it a lot by putting 2-3K through it already and paid like 5 times. Have not seen an Auto yet. Also I tried calling numerous numbers to ask for CLI but received message "You have to wait 6 months".


I would like to hear from folks who receive auto CLI from Discover before 6th month. Thanks

3.99 APR? Wow. I got approved with a 18.99% APR after my 0% promo period. You must have been invited. Pre-approval right? Right after I did the app, I got a preapproval for 9.99% APR. Lol. Discover is somewhat conservative. They do give auto CLIs after 6 months (6 statements). I still have 3 more statements to go before I see an increase. I made a lot of use out of my card so we shall see what they give me.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Established Member
Posts: 14
Registered: ‎12-06-2012

Re: Discover More

My wife got it with a 658 EQ. She had some baddies from 2007. Had to call in but approved for $1200.
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Valued Member
Posts: 49
Registered: ‎11-02-2012

Re: Discover More

I was invited to apply. My EQ FICO was 670 at the time. I only had student loans that I have been paying on since 2006 (one which was almost paid in full)...never late. SO this was my first card and I was instantly approved for $11.3K

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Valued Contributor
Posts: 1,116
Registered: ‎09-14-2012

Re: Discover More

I had a 719 at the time, they pulled Equifax and gave me $10,000

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Established Contributor
Posts: 650
Registered: ‎12-12-2012

Re: Discover More

I was approved with a score in teh 700s.  They started me out with a low limit.  They tripled it in about a year or so without my asking.  Shopdiscover and the 5% categories are awesome.  I highly recommend this card.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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