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Discover more approvals

Established Contributor

Re: Discover more approvals

I know this thread is more than a couple days old but...

 

Approved $1,500 Discover More today - had to call in and verify ID.

 

Credit profile as of today:

 

TU FICO 671

EQ FICO 662

EX FAKO 675

 

AAoA 2 Years, oldest account 7 years

 

20 Inquiries (averge per CR)

 

2 CO's 5+ years old

 

1 60-day late 3 years old

 

 

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 21 of 29
Established Contributor

Re: Discover more approvals

Anyone know if I can call and get the Discover IT card? Is it just an instant PC? Or do I have to wait?

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 22 of 29
Established Contributor

Re: Discover more approvals


Jlu wrote:

Anyone know if I can call and get the Discover IT card? Is it just an instant PC? Or do I have to wait?


i think you can call and try....

I have a 1 week old negative on my EQ (on dispute) im wondering if i have a shot on gettin approved? I got approved for amex zync with hard limit last week.... I have 9 inquiries, 3 charged offs 5-6+ yrs ago and the recent negative showing (i think this was from a 5 yr old charged off)Any thoughts???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 23 of 29
Established Contributor

Re: Discover more approvals

If your scores were > 650 I would reccomend you apply, but your < 650 score combined with the recent baddy is a recipe for a denial.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 24 of 29
Moderator

Re: Discover more approvals


Jlu wrote:

If your scores were > 650 I would reccomend you apply, but your < 650 score combined with the recent baddy is a recipe for a denial.


For Discover More?  Isn't it 640 + 1 year of clean revolving history?

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 25 of 29
Established Contributor

Re: Discover more approvals


Jlu wrote:

If your scores were > 650 I would reccomend you apply, but your < 650 score combined with the recent baddy is a recipe for a denial.


I was gonna pull the trigger when my score went up to 654 before the negative showed up...i really want the card for the holidays for their cash back... Are my chances better with the zync reporting???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 26 of 29
Established Contributor

Re: Discover more approvals

I was just approved a few weeks ago for the discover more for 1500.00. You can see my scores below....I was surprised I got approved am very excited....it's my favorite card so far and my first discover ever
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 27 of 29
Valued Contributor

Re: Discover more approvals

I was approved last month

CS was 708 on Experian

AAoA was right about 6 years

Limit $10,000

15 Mos. 0%

 

My highest limit at the time was $1,900 from merrick.  I had to call in and verify information because we just moved that weekend before applying.  Answered some questions, she said "what I can do right now is offer an approval at $10,000 if that is OK."  I didn't want to push my luck at the time and ask for more than that!

Starting a whole new chapter
Message 28 of 29
Highlighted
Valued Contributor

Re: Discover more approvals

Instantly approved for Discover More a week ago at 1,500 CL. No baddies or judgements. Only prime card I had was CapOne at $750 CL.

As of 2017, rebuilding...
Message 29 of 29