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Contributor
Kr33ker
Posts: 143
Registered: ‎04-11-2012
0

Just approved for Discover More (11.5k CL). What to do now?

[ Edited ]

Hey guys was just approved Discover More. After recieving three pre-approval letters within a month, and a lack of better judgement I decided to apply.

 

I started my credit card journey just three months ago. I was approved for a $500 card through local CU, and a Zync with $500 limit w/ autopay in May. My actual credit score is much lower than that now, but I haven't run a report since I was denied for a BCE in May at the same time I applied for Zync. The experian score I recieved was about 689 I think?

 

My question now is what do I do. Do I call up Discover now, and see what CL I was approved for, and try to get more? Or wait?

 

Should I try to apply for more cards? Or wait?

 

The card I really want is the Freedom, but didn't apply because I felt I had a better chance with Discover and I wanted to wait for $300 offer. You may consider my decision poor becuase I have a Chase Checking account... Maybe apply for Freedom as well? Can I finagle the $300 offer?

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Valued Contributor
trumpet-205
Posts: 2,277
Registered: ‎11-11-2010
0

Re: Just approved for Discover More. What to do now?

Check your application status at Discover website. It will tell you CL.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Contributor
Kr33ker
Posts: 143
Registered: ‎04-11-2012
0

Re: Just approved for Discover More. What to do now?


trumpet-205 wrote:

Check your application status at Discover website. It will tell you CL.


$11,500.00 Credit Limit.

 

Is this some sort of sick joke??????????????

 

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011
0

Re: Just approved for Discover More. What to do now?

Wow! Congrats!!

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600
Contributor
Kr33ker
Posts: 143
Registered: ‎04-11-2012
0

Re: Just approved for Discover More. What to do now?

[ Edited ]

ccb2115 wrote:

Wow! Congrats!!


Thank you!!! I'm so happy right now.

 

I wonder if I should apply for another card? I won't be applying for a loan or mortgage in the next few months...

 

I'm 22, make $50k, pay $100/month (lol yes I still live at home and proud of it) in rent btw.

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012
0

Re: Just approved for Discover More. What to do now?

wow.. Thats awesome cli.. Congratulations...

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Contributor
Kr33ker
Posts: 143
Registered: ‎04-11-2012
0

Re: Just approved for Discover More. What to do now?


wealthcreator wrote:

wow.. Thats awesome cli.. Congratulations...


Thanks!!!

 

Wonder if I can get this card changed to the Discover IT?

 

Kind of worried about calling up because I don't want them to lower my CL LOL...

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: Just approved for Discover More. What to do now?

Wow! Congrats! That is an awesome cl for discover...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Just approved for Discover More. What to do now?

Discover gods smiled on you.  Enjoy and remember to pif.

               LIMITS IN CARD DESCRIPTIONS
Contributor
Kr33ker
Posts: 143
Registered: ‎04-11-2012
0

Re: Just approved for Discover More. What to do now?


Crashem wrote:

Discover gods smiled on you.  Enjoy and remember to pif.


Always do :smileyhappy:

 

But isn't that limit crazy considering my highest limit was $500...

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ

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