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Got my discover card in hehehehehe

Regular Contributor

Got my discover card in hehehehehe

So I run to the mailbox this morning and bang there it is my piece of plastic I have been drooling over about time to start racking up some rewards
Fico's in 500s across all three and one nfcu nrewards card with 2k limit for rebuilding
Message 1 of 14
13 REPLIES
Mega Contributor

Re: Got my discover card in hehehehehe


Carlile92 wrote:
So I run to the mailbox this morning and bang there it is my piece of plastic I have been drooling over about time to start racking up some rewards

Very jealous........and my TU is still open....




EQ FICO 548 3/3/16
Message 2 of 14
Regular Contributor

Re: Got my discover card in hehehehehe

Well if you want one try and get one I don't have great credit and the recon did me wonders
Fico's in 500s across all three and one nfcu nrewards card with 2k limit for rebuilding
Message 3 of 14
Mega Contributor

Re: Got my discover card in hehehehehe


Carlile92 wrote:
Well if you want one try and get one I don't have great credit and the recon did me wonders

You had to recon? For what reasons?




EQ FICO 548 3/3/16
Message 4 of 14
Regular Contributor

Re: Got my discover card in hehehehehe

Well I have a fraud alert and also had a lot of inq so I had to explain my reasons and also a few new accounts
Fico's in 500s across all three and one nfcu nrewards card with 2k limit for rebuilding
Message 5 of 14
Frequent Contributor

Re: Got my discover card in hehehehehe

carllle92 what was the offer discover gave you for apr , did you get a balance transfer offer. My complete offer  is pathetic. balance transfer at 3.99 for 6 mos,  apr at 23% but I have alot of credit card debt.

Message 6 of 14
Valued Contributor

Re: Got my discover card in hehehehehe

IIRC, my terms were their best, I think I had a BT 0% for 15 months and 0% APR for 15 months and my APR after the 15 months was something like 12.99% or 13.99%. Which neither really mattered to me, I had no intentions to BT or ever carry a balance.

 

I may be wrong, I'd have to dig through my paperwork, but I think those were the terms they gave me.

 

To the OP, Super Congrats!!! Discover has awesome CS, the only problem I have with Discover is their low initial CL's and they want to hard pull for CLI's.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 7 of 14
Valued Contributor

Re: Got my discover card in hehehehehe


LS2982 wrote:

Carlile92 wrote:
So I run to the mailbox this morning and bang there it is my piece of plastic I have been drooling over about time to start racking up some rewards

Very jealous........and my TU is still open....


You better be good LS, no apping right now rememberSmiley Very Happy

 

I know how bad you want this card, and I hope once you finally give in and apply, Discover approves you with a 10K CL!!!!!

 

Best of Luck my FriendSmiley Happy


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 8 of 14
Established Contributor

Re: Got my discover card in hehehehehe

Congrats I just got mine a few months ago with a APR of 3.99 for a year, I love that card and it's my smallest TL. Go figure..💔
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 9 of 14
Established Contributor

Re: Got my discover card in hehehehehe

Nice, I just got a call from Discover that they approved me for a Discover More card, I was suprised. They pulled TU and I still have like 7-8 inquiries counting towards my score (a few just dropped off this month). They gave me a $1k line and asked if it was enough - I should have asked if it was possible to get a higher starting CL. I was just too happy about the approval to really think of it. Maybe I should call back and ask now (or see if they'll do a CLI when I call to activate the card). I have some subprime AF cards that I want to close, but I don't want to lose the CLs and hurt my util%.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Message 10 of 14