Reply
Established Contributor
Cageym
Posts: 513
Registered: ‎07-31-2012
0

Drapping...almost. Discover

So if I remember right when you go to the Discover preapproval site and it shows recommended cards if you click on the "build your own card" thing and it lets you start to build it you are actually preapproved off their SP? And no, I didn't actually apply, still waiting on my 61 CLI day for Amex. I have the DR part down, just not the APPING part.LOL


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Drapping...almost. Discover

It takes practice. There is a balance you must achieve between the level of beverages u consume and your ability to app. That way u only drapp for what u really need :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Cageym
Posts: 513
Registered: ‎07-31-2012
0

Re: Drapping...almost. Discover

Oh I know, but I have that  Amex CLI coming up, then I want to hit up NFCU for a 'Holiday" boost. And I think I might want either the Discover IT or the ChaseFreedom. Haven't decided yet. I might not have the switch in my brain that lets me stop from telling folks what I think but I still have the one that lets me look at my long term goals. Most of the time.LOL And I have vacation coming up at the end of Jan so I need the limits if I can get them, so must be careful. And no Drapping until I make sure I'm past the toy limits.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Drapping...almost. Discover

"Save you drapp" - Tony Montana

 

No, what you seen on the preapproval was not an actual preapproval. You'll see "Congratulations, you have been pre approved for ______)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
rosegardener
Posts: 54
Registered: ‎08-10-2012
0

Re: Drapping...almost. Discover

Discover's preapproval site can be screamingly confusing.  Make sure it says that 'you are preapped for' instead of 'you may be interested in'.  I agree with holding off though, they can be not so generous with starting CL from what I have seen and you might have better luck with your planned CLI requests.

 

Does it still count as drapping if it's drunken CLI requests?  Technically you are applying for more credit by asking for an extension of your existing line.

 

 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Drapping...almost. Discover


rosegardener wrote:

Discover's preapproval site can be screamingly confusing.  Make sure it says that 'you are preapped for' instead of 'you may be interested in'.  I agree with holding off though, they can be not so generous with starting CL from what I have seen and you might have better luck with your planned CLI requests.

 

Does it still count as drapping if it's drunken CLI requests?  Technically you are applying for more credit by asking for an extension of your existing line.

 

 


Only if it results in a HP


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Drapping...almost. Discover

LOL, took me a bit to realize what was meant by Drapping. I almost went to the common abbreviations thread.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Member
rosegardener
Posts: 54
Registered: ‎08-10-2012
0

Re: Drapping...almost. Discover

So same rules as gardening then?  I can work with this......

 


Duncanrr wrote:

rosegardener wrote:

Discover's preapproval site can be screamingly confusing.  Make sure it says that 'you are preapped for' instead of 'you may be interested in'.  I agree with holding off though, they can be not so generous with starting CL from what I have seen and you might have better luck with your planned CLI requests.

 

Does it still count as drapping if it's drunken CLI requests?  Technically you are applying for more credit by asking for an extension of your existing line.

 

 


Only if it results in a HP



In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Established Member
rosegardener
Posts: 54
Registered: ‎08-10-2012
0

Re: Drapping...almost. Discover


Epcot wrote:
LOL, took me a bit to realize what was meant by Drapping. I almost went to the common abbreviations thread.

LOL....somehow I don't think we could talk the mods into adding it.

 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Frequent Contributor
obageegee
Posts: 271
Registered: ‎09-30-2012
0

Re: Drapping...almost. Discover

Well I'm 3/4 in the bag and I know how you feel. I think I'll go to the Amex site and just fill out the form and hit cancel.



Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}