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Discover in Less then a Year

Mega Contributor

Discover in Less then a Year

Reading the posts hoping to some day get into prime cards. I saw that people were getting accepted for Discover. I hadn't even thought about applying for at least a year from now. I got my free annual report and had only 2 inquiries on EQ. I paid for my score 691 Walmart TU was 688 Util 20%. My first card on the rebuild was Cap1 11months ago no annual fee. Seven months ago Orchard $59 annual fee. 6 months ago Walmart store card turned down for Walmart Discover. PayPal SmartConnect 2 Months ago. I just mailed in a application for a card through my local bank. So I thought if I want the Discover I had better do it before my bank inquiry hits my report. I applied got a message to set up a login and password did that. Then said need up to 30 days to review. I got a call the next day from Discover went over my account. House second mortgage had some lates from 2007 and a paid tax lien from 2009. Paid off House and tax lien in 2009. She said she couldn't give me the original More card but counter offered with the Discover More with $1000 limit and 6 months at 3.9%  22.9% after. She told me in 6 months I could ask for a CLI or rate reduction. She also told me it would be a soft pull on TU unless they saw something and then it would be a hard pull on EQ. Goodby Orchard  Smiley Very Happy Thanks everyone I couldn't have done it without you.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
4 REPLIES
Valued Contributor

Re: Discover in Less then a Year

Congrats. What's the difference between your approved More and the one you applied for?

Mega Contributor

Re: Discover in Less then a Year

The cards the same only I get 3.9% interest for the first 6 months instead of the 0% on the offer and a higher APR and a smaller starting CL. I'm not complaining I have my foot in the door to prime cards. Also a chance for CLI that's possible to get in my lifetime unlike the possibility with Cap1 or Orchard.  

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Valued Contributor

Re: Discover in Less then a Year

Oh ok. Congrats again and enjoy the card. Discover has been good to me CLI wise, I just got a my CL raised an additional $8500 this month after six months of perfect history.

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Established Contributor

Re: Discover in Less then a Year

Thanks for sharing! That is awesome. I dream of getting a Discover, Amex, CITI, or Chase card one day. You've got your foot in the door!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.