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

Contributor

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

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
Message 1 of 26
25 REPLIES
Valued Contributor

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

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

Message 2 of 26
Contributor

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
Message 3 of 26
Frequent Contributor

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

Wow! Congrats!!



Scores: EX: 793 EQ: 804 TU: 801
Message 4 of 26
Contributor

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


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
Message 5 of 26
Contributor

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
__________________________________________
Message 6 of 26
Contributor

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
Message 7 of 26
Established Contributor

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 BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | 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 | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 8 of 26
Valued Contributor

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

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

               LIMITS IN CARD DESCRIPTIONS
Message 9 of 26
Contributor

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


Crashem wrote:

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


Always do Smiley Happy

 

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
Message 10 of 26