09-08-2011 05:17 AM
Well what a surprise! I received 3 preapproval letters in the mail (after opting back in) 2 for store cards, 1 for Discover. I'd included Discover in my BK13 back in 04, so I was hesitant to apply. I applied, got the instant approval but call for final verification. The next morning I called, and they said congratulations, you'll receive the card in about 5 days. They did not offer what thecredit limit was, and I was assuming it would be low so I didn't ask (frankly I was just thrilled to be approved period). I was able to access the online account just now and was amazed to find a $7500 credit limit! Matching my highest limit I have on another card! My utilization was a bit high so I was surprised. Unsure of my current scores I think low 700's. I guess you can repair after BK! I wish I'd found this site for advice much earlier in my repair years than I did. Thanks for the advice you have given me along the way!
09-08-2011 06:31 AM
09-08-2011 07:58 AM
Nice CL! Congrats!!!
09-08-2011 09:32 AM
Wow, congrats on the approval and the impressive CL! Discover is usually pretty conservative for CLs, it's surprising they'd match your highest.
09-10-2011 07:34 AM
Congrats on your approval!!
KingAdrock: Just wanted to say that I'm DIGGIN' THE TAG! Got FR'd by Amex recently and was not pleased. I won't be using that card anymore and your tag explained JUST WHY! Paying for membership to be joined to the "Circle of Paranoia" is not my idea of a good time or good way to spend money. I can be BROKE an paranoid and no one will ever know...at least not AMEX anyway! LOL
09-12-2011 06:37 AM
Thanks for all the congrats. I was very surprised with the credit limit, I was expecting perhaps 1,000. The only reasoning I can imagine, is my highest limit card is my most used card, perhaps they are enticing me to balance transfer, and with 0% for 12 months, I may just do that. I did an estimator and it would certainly save me money over the next year. I'm still very shocked at being approved at all. Shocked and happy.