07-17-2013 03:33 PM - edited 07-17-2013 03:43 PM
So I just received my Discover It card in the mail. It came in fancy packaging and I like the look and feel of the actual card, although it does seem a little flimsy. The thing that shocked me was that Discover pulled my Fico from Equifax and it had me at 768! When I apped for the card, myfico here on Experian said my score was 719! What a big difference! Now I'm thinking I could probably get the freedom and bce for sure....
Also, my APR for the Discover is 18.99%. The range on their website is 10.99-22.99 so it's kind of high. My Citi card I got 13.99% which is the lowest on their website so I'm pleased about that. I should get that card in a few days
07-17-2013 03:44 PM
07-17-2013 03:46 PM
Congratulations on your score. Keep in mind, one is an EQ and the other is EX. . Difference can be more inq's on one particular report .
My report on the myfico here said I had 0 inqs before I applied.
07-17-2013 03:58 PM
LOL! I read the subject line, and my brain automatically added to it, to be:
"HOLY FICO, BATMAN!"
Guess I'm showing my age....
07-17-2013 04:02 PM
07-17-2013 04:07 PM
Freedom is not CS driven. Chase really likes rev cr card history. You may get approved cause you are +6 mos.
also, I want to remind you that once these cc's post, your CS will drop some - so if you are thinking about apping and don't mind the inq...go for it.
Thanks guys! You think they would accept me espicially since I just apped for 2 new cards + a cli? Also, I got an "you've been selected to apply" mail from Amex for their green card. Don't think it's any special offer or pre-approval or anything right?
07-17-2013 04:10 PM
07-17-2013 04:20 PM
IMO, Chase is more inq/new acct sensitive. I'd hate for your approval to be a $500 CL with HP's required to obtain a nice CL.
Me too, which is why I'm still going to wait till the end of the year. I was just really suprised by the high score I had!
07-17-2013 04:26 PM
Actually I just realized the score used here comes from equifax as well....so why the HUGE difference in scores from the same report?? 719 on here vs 768 pulled by Discover??