Discover it approaval

tjones9234 · ‎10-15-2014

How's discover with approvals with baddies reporting? Old charge off etc? 1 2 year old collection.. EQ is 679 myfico 2% utilization .. Aaoa 4.2 ... 1 new account past 6 months, 2 inqs last 6 on eq

Anonymous · ‎10-15-2014

@tjones9234 wrote:
How's discover with approvals with baddies reporting? Old charge off etc? 1 2 year old collection.. EQ is 679 myfico 2% utilization .. Aaoa 4.2 ... 1 new account past 6 months, 2 inqs last 6 on eq

You might get an approval.

I was approved with a 637 EQ, 2 OLD c/o's, and a couple medical collections. AAoA 3.3, 5 new accounts last 6 mos, and 17% utl.

tjones9234 · ‎10-15-2014

What cl did you get

enharu · ‎10-15-2014

@tjones9234 wrote:
How's discover with approvals with baddies reporting? Old charge off etc? 1 2 year old collection.. EQ is 679 myfico 2% utilization .. Aaoa 4.2 ... 1 new account past 6 months, 2 inqs last 6 on eq

they are generally somewhat lenient.

I think your approval odds are decent, though I am guessing they will approve you for a lower CL.

They also offer a secured option if they cannot offer you an unsecured card.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

Anonymous · ‎10-15-2014

@tjones9234 wrote:
What cl did you get

$1,800

tjones9234 · ‎10-15-2014

Yeah that would be a no go based on the other prime cards in my portfolio amex citi bofa etc.. Worried about a crappy cl .. I have fairly decent limits , are they known to match

enharu · ‎10-15-2014

@tjones9234 wrote:
Yeah that would be a no go based on the other prime cards in my portfolio amex citi bofa etc.. Worried about a crappy cl .. I have fairly decent limits , are they known to match

lenders usually use your current limits as "benchmarks", but theres no guarantee they will match. if your income supports it, then chances of them matching or even issuing a higher CL is higher.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

Anonymous · ‎10-15-2014

@tjones9234 wrote:
Yeah that would be a no go based on the other prime cards in my portfolio amex citi bofa etc.. Worried about a crappy cl .. I have fairly decent limits , are they known to match

No, But you may be able to Recon the limit.

With your EQ and overall profile i forsee at least a $3,000 CL.

tjones9234 · ‎10-15-2014

Thanks for the input I applied a few months back with a weird old amex co reporting from 2012... Eq was 647 then ..That has dropped off, might pull the trigger.. I hear this disocver is popular around here

tjones9234 · ‎10-15-2014

Is the chrome better if I want to use this for a lot of gas purchases?