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Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Just applied for and received Discover



laila08 wrote:
Congratz T2J !!!  I had some luck back in december(got the open roads card) with not so hot fico scores too. I think high 600's. There is hope for us non 700 club members!!


Yeah, they now have a card selector thing on their website where they ask you to estimate your credit rating.  One of the options is something like "Needs Improvement."  Before I saw this I never thought "Needs Improvement" was even an option with Discover!

 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Member
T2J
Posts: 28
Registered: ‎01-07-2008
0

Re: Just applied for and received Discover

Thanks for the kind words all.
 
For those that asked, below are my PFICO scores.
 
TU689, EX683, EQ680,
 
My actual Fico, if that is the product you get from EQ's Score Watch is 665, which is 15 points lower than it was last month. I have no idea what happened considereing my much lower utilization %age.
 
Best Regards
 
T2J
Frequent Contributor
rubaty
Posts: 380
Registered: ‎11-18-2007
0

Re: Just applied for and received Discover

Congrats!!!  If you do try a product change, I would recommend Discover More.  I love my Discover More card with all of the various ways to earn extra cashback!

Current Score: EX 718 EQ 689 TU 757 23 Jun 13
Goal Score: 760 across the board by Jul 14


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Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Just applied for and received Discover

I got a pre-approved offer from Discover
I can't find the soft inq-
It hurt a bit to shead it-
 
Congrats to you-
Established Member
T2J
Posts: 28
Registered: ‎01-07-2008
0

Re: Just applied for and received Discover

Timothy,
 
They pulled a soft on EX and a hard on TU.
 
interestingly enough, my faco's jumped 10 points today.
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Just applied for and received Discover


cheddar wrote:

redhed1026 wrote:
Does Discover still do double cycle billing? If so, yuck :-P .... has kept me from apping to them in the past. It's a nasty practice if you keep a balance...
Mostly, yes, they do. Some of their lower tier cards use average daily balance.

They don't do double-cycle billing on the Motiva, as it's set up specifically for those who want to carry balances. (That's what their entire rewards system is set up for. :smileywink: ) There's still double-cycle on the More, and I think on the others. Pretty clear indication to me that Discover encourages PIF'ing, or at least carrying comparatively low balances.

It's very useful to decide before app'ing if it will be a PIF card or a balance card.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
USC08
Posts: 299
Registered: ‎06-27-2008
0

Re: Just applied for and received Discover

i just got off the phone with a csr, they said they pull from all 3 CB's..any truth to this?
Moderator Emeritus
WhirledPeasPlease
Posts: 3,417
Registered: ‎12-27-2007
0

Re: Just applied for and received Discover

I rec'd my More card with a single hard from EX.
 
Perhaps the CSR meant they would pull from any of the three CBs.  Who knows?
 
I was quite impressed recently when my Discover CSR promised me I would only get a soft inq while requesting a CLI under the condition that I did NOT want a hard inq.  She was right!
 
HTH-
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Frequent Contributor
laryn41
Posts: 484
Registered: ‎07-31-2007
0

Re: Just applied for and received Discover

Fretles-
  What happened when you called?
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Just applied for and received Discover



USC08 wrote:
i just got off the phone with a csr, they said they pull from all 3 CB's..any truth to this?





I just applied and was approved last month and they pulled a hard on TU.

I backdoored my EX and didn't see a soft from them.
Here we go again...

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