Congrats !!!! I know how you feel, i just got mine last month
Yay Congrats Shogun! Nice starting CL! Now back in the garden you go!
I got approved with a 641 experian fico pulled and over 25 inquires. 1k limit. No 0% offer but 3.9% instead.
You mind sharing a bit more about your credit profile? I have 2 inqs. right now (09/12 and 01/13), AAoA is 4 years, and just 3 baddies (2 student loan collections from '07/08ish, and an auto loan late payment in '07 which is reporting wrong), and 9% util as of 01/13, which is now down to 3% (I PIF every month anyways). I don't see any pre-approvals on their website, so it makes me hesitant to apply...
I want a Discover so bad but they would't even approve me for a student card when I tried 2 months ago
I PIF and have no other debts, not even student loans (woo hoo!!!) so I really dont understand why they hate me