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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Holy crap. Just approved for Discover It card and a couple others.


Razeus wrote:

Done.

 

Approved, but only for $1,000.  The rep said I can request an increase after 60 days.  Good enough for me.  I'll be calling back November 1.  Thanks so much for your help.


Congrats.  Hate to say it, probably would have been higher if you had waited for other cards to report.  However, you might have been rejected from the reduced credit score from lower AAoA, inquiries, # of new accounts, etc.

Here is positive thing.  One you can earn bonuses right away.  Amex CLI policy is great.  in 61 days, ask for the full CLI to 3k.  In 6 more months, ask for the full 3X to 9k.

               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Holy crap. Just approved for Discover It card and a couple others.

[ Edited ]

Thanks for the tips man.  I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying.  With 2 cards to boot!  Yes, I'll be asking for CLI's every  60 days until I feel I'm at a good place, mostly likely $9-12k. 

 

Now I just need to drop my "sub-prime" low limit cards.  I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee.  I may call them and see if they get me a different product...:smileywink:

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Regular Contributor
Posts: 369
Registered: ‎02-01-2010
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Re: Holy crap. Just approved for Discover It card and a couple others.

Congratuations! Excellent limit from Discover.

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Holy crap. Just approved for Discover It card and a couple others.

Thanks.  Next year, I'm going for the Chase Sapphire Preferred.

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Holy crap. Just approved for Discover It card and a couple others.

Awesome! And Congrats. Do you know what your credit scores were? I was wondering what your highest credit limit was before you got all these new ones, if u don't mind sharing lol:smileywink:


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

Re: Holy crap. Just approved for Discover It card and a couple others.

[ Edited ]

My highest was 696 via TU.  Lowest was 650 at EX.

 

My highest limit is $1300 with CapOne.



My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Holy crap. Just approved for Discover It card and a couple others.


Razeus wrote:

Thanks for the tips man.  I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying.  With 2 cards to boot!  Yes, I'll be asking for CLI's every  60 days until I feel I'm at a good place, mostly likely $9-12k. 

 

Now I just need to drop my "sub-prime" low limit cards.  I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee.  I may call them and see if they get me a different product...:smileywink:


Congratulations!   Amex has good CLI policies so don't sweat it.

 

Nice limits on Discover and Chase :smileyhappy:  Grats on Zync as well.  Nice line up there buddy!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Holy crap. Just approved for Discover It card and a couple others.


Razeus wrote:

Thanks for the tips man.  I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying.  With 2 cards to boot!  Yes, I'll be asking for CLI's every  60 days until I feel I'm at a good place, mostly likely $9-12k. 

 

Now I just need to drop my "sub-prime" low limit cards.  I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee.  I may call them and see if they get me a different product...:smileywink:


Remember only first CLI is 61 days.  Then it is 6 months after approval and 3 months after denial.  But definitely take advantage of it.  Never know when you will need that extra CL to help utilization.

               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

Re: Holy crap. Just approved for Discover It card and a couple others.

ahhh....got it.


Let me mark this on my calendar then.

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Holy crap. Just approved for Discover It card and a couple others.


Razeus wrote:

My highest was 696 via TU.  Lowest was 650 at EX.

 

My highest limit is $1300 with CapOne.




Are those FICO scores or FAKOs.

               LIMITS IN CARD DESCRIPTIONS
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