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Established Contributor
Posts: 932
Registered: ‎06-12-2012
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Re: Discover more approvals

[ Edited ]

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

 

 

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Established Contributor
Posts: 932
Registered: ‎06-12-2012
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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?

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Established Contributor
Posts: 697
Registered: ‎03-16-2012
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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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 932
Registered: ‎06-12-2012
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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.

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
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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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Contributor
Posts: 697
Registered: ‎03-16-2012
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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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 985
Registered: ‎09-10-2012
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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*
Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

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!

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Capital One Venture $15,000; 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

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

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.

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)






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