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Discover surprised me!

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MrPickleton
Established Member

Discover surprised me!

So last week I decided to go ahead and apply for the Discover IT Student.  I was approved and yesterday my card came in the mail.  I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%!  Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card.  I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months.  My TU Fico was 725 according to the letter. 

Amex BCE: 3000, Discover It 2500, Capital One QS1: 1750

Message 1 of 9
8 REPLIES 8
Mellon
Established Contributor

Re: Discover surprised me!

Congrats

Message 2 of 9
WarJar101
Frequent Contributor

Re: Discover surprised me!


@MrPickleton wrote:

So last week I decided to go ahead and apply for the Discover IT Student.  I was approved and yesterday my card came in the mail.  I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%!  Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card.  I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months.  My TU Fico was 725 according to the letter. 


Congrats. May I ask what your profile looks like?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 3 of 9
09Lexie
Moderator Emerita

Re: Discover surprised me!

Message 4 of 9
Epcot
Valued Contributor

Re: Discover surprised me!

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 5 of 9
myjourney
Super Contributor

Re: Discover surprised me!

Congrats on a great card 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 9
MrPickleton
Established Member

Re: Discover surprised me!


@WarJar101 wrote:

@MrPickleton wrote:

So last week I decided to go ahead and apply for the Discover IT Student.  I was approved and yesterday my card came in the mail.  I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%!  Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card.  I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months.  My TU Fico was 725 according to the letter. 


Congrats. May I ask what your profile looks like?


I have two accounts

1 Student Loan Paid As Agreed-deferred opened 08/2011

1 Capital One CC Limit 750 Opened 06/2012 util at application was about 3%

Income is about 12.5K

 

Only two inquiries in the past 12 months, 1 Amex, 1 Cap1, 3rd is this one

 

Thanks for the congrats guys. Smiley Happy

 

 

 

Amex BCE: 3000, Discover It 2500, Capital One QS1: 1750

Message 7 of 9
HiLine
Blogger

Re: Discover surprised me!


@MrPickleton wrote:

@WarJar101 wrote:

@MrPickleton wrote:

So last week I decided to go ahead and apply for the Discover IT Student.  I was approved and yesterday my card came in the mail.  I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%!  Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card.  I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months.  My TU Fico was 725 according to the letter. 


Congrats. May I ask what your profile looks like?


I have two accounts

1 Student Loan Paid As Agreed-deferred opened 08/2011

1 Capital One CC Limit 750 Opened 06/2012 util at application was about 3%

Income is about 12.5K

 

Only two inquiries in the past 12 months, 1 Amex, 1 Cap1, 3rd is this one

 

Thanks for the congrats guys. Smiley Happy

 

 

 


You have a great credit profile! No wonder you go such favorable terms! Congratulations!!! Smiley Very Happy

 

Message 8 of 9
indiolatino61
Valued Contributor

Re: Discover surprised me!

Congrats. Discover is a good card to have.

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Message 9 of 9
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