LOWEST FICO FOR DISCOVER IT??

[JamesKnox]

@enharu

I'll hold out abit. So even if I get to 690-700...I should still wait the 4-6 months?

[JamesKnox]

Look at these. Okay so the columns go like this..

Card | State | EQ | EX | TU | Income | Filed Bankruptcy | Date Applied | Credit Card | Approved? | Limit

Now...these scores look rather low. Approved with 597 score for 1200CL with 4 collections? REALLY?

I notice that all of these were all around the end of 2012....wasn't Discover just GIVING these away at that time? I wonder if the same scores would fly now?

[09Lexie]

There is no way of determining the AAOA of the examples listed. You can apply, you might be approved. I prefer apping when my CR's are in optimal condition

[enharu]

---

@09Lexie wrote:
There is no way of determining the AAOA of the examples listed. You can apply, you might be approved. I prefer apping when my CR's are in optimal condition

---

+1

Unless you have some kind of emergency where you need credit urgently, or if a sign-up bonus is about to expire, it's always best to wait until you have the best chance of getting approved. The APR you get will be better as well that way.

[09Lexie]

And the student version comes with the 6 mo -0% APR only

[JamesKnox]

Yea...well I'm certainly not applying now. That's out of the question. I don't want to be denied nor do I want them to come back with a $500CL. So I will wait either until I cross the 700 mark OR until I do 4-6 on time, in full payments on my new card. :-) 

Don't worry, I'm not going to just waste an inquiry. I've moved my score from 502 to 627 in less than 2 weeks! I'm not going to mess it up with inquiries! :-) 

[maiden_girl]

When I applied, my FICO was 714 (no baddies or collections). I only got approved for 1,500. They pulled EQ. Now a year later, my CL is at 2k via HP. Lol. Discover is a conservative lender. They don't like to be the first to give you a high limit.

[JamesKnox]

Wow. That's crazy. My friend has AMEX Platinum.... He applied for Discover with 707 EQ Fico at the time and got 6K limit.

[JamesKnox]

bump

[jason7613]

Strange. My ficos range from 690 to 700 an I got an instant approval for the it card 5k and an instant approval for the Amex blue at 10k. No idea how