10-12-2013 01:23 PM
Looking through my junk mail and saw an offer for Discover It with a 10.99% APR, 15mo 0%
Lots of good features, no penalty APR, one free late, 0 foreign exchange, etc.
Since this is a 0 AF card it looks pretty attractive!
Anyone know what sorts of CLs they give initially.
10-12-2013 01:30 PM
I say go for it. I applied for IT last Friday and got my card Wednesday. My credit is less than perfect with a FICO from Experian of 638, and I was approved for $2400. It is my highest limit to date. Furthermore, since my credit was not great I didn't get an attractive bonus of 0% for any amount of time and my APR is 22.9% So if you can get it at those rates I say try it out, I'm still shocked I was approved and its my highest limit across all my cards.
10-12-2013 01:30 PM
10-12-2013 01:45 PM
I got my Discover in December at pretty much the same time as Amex. Discover gave me a CL of 2,5K and I used it heavily in the past and always PIF but no CLI so far. While Amex is now at 25K... so it is quite a lottery with them for starting limit ...but card is very nice and customer service great...if not for CLI...LOL
10-12-2013 02:26 PM
10-12-2013 03:13 PM
i got several offers from discover.
i pulled the plug.
got a 2500 limit, with a 0% on bt for 18 months, 6 months 0% on purchases, but i asked for that offer
chatted with a rep for it.
my offer said 10.99 and i got 15.99 after promo.
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
10-12-2013 03:18 PM
Good question. I think we are still trying to figure out Discover's initial cl policy.
They do allow for cli's after 90 days which is nice and they will tell you if a hp is needed.
I started off at $2500, 3 mos later received an auto Cli to $3300 and last week received a Cli to $7300. Card was opened in Jan.
WOW, I've had mine for 5 years and I didn't know that you I could be increasing mine this quickly! I just got to 8k this year, but I've stayed at 2k for 4 out of the 5 years! LOL
Thanks Lexie for this input.. makes me realize that I need to be more organized and on the ball with asking for CLIs!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.