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Community Leader
Valued Contributor
Posts: 2,439
Registered: ‎11-29-2012
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Re: Pulled the trigger, Discover IT

Happy dance time!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
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Re: Pulled the trigger, Discover IT

Congrats !!!! I know how you feel, i just got mine last month Smiley Happy


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
New Contributor
Posts: 72
Registered: ‎11-19-2012
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Re: Pulled the trigger, Discover IT

I got approved with a 641 experian fico pulled and over 25 inquires. 1k limit.  No 0% offer but 3.9% instead.  

 

 

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Pulled the trigger, Discover IT

Yay Congrats Shogun! Nice starting CL! Now back in the garden you go! 


$100K in Credit
Last Credit Card App: 11/16/13
Community Leader
Valued Contributor
Posts: 2,777
Registered: ‎07-12-2012
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Re: Pulled the trigger, Discover IT

Congrats!!!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 06/2015
720 TU FICO 06/2015
727 EX FICO 06/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Frequent Contributor
Posts: 346
Registered: ‎01-16-2013
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Re: Pulled the trigger, Discover IT


Robertwd82 wrote:

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...


Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 789, myFICO EX: 787
My Wallet: Chase Freedom, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 06/08/15
Valued Contributor
Posts: 1,603
Registered: ‎09-15-2012
0

Re: Pulled the trigger, Discover IT

If you look back over the Discover approval threads you will notice my continual disbelief at these CLs. This thread will continue that trend. I am amazed at their generosity and I am seriously considering getting in while they are so generous. I need to pay my balances down before my next statement date to show low util, but then I might go for this thing.

Congrats, Shogun!

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
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Re: Pulled the trigger, Discover IT

congratsSmiley Happy

+ Chase ink =




Established Member
Posts: 44
Registered: ‎12-13-2012
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Re: Pulled the trigger, Discover IT

I want a Discover so bad but they would't even approve me for a student card when I tried 2 months ago Smiley Sad

 

I PIF and have no other debts, not even student loans (woo hoo!!!) so I really dont understand why they hate me Smiley Tongue 

 

 

Discover IT, BofA Cash Rewards, Citi Forward, AMEX Green, CapitalOne Cash Rewards, Chase Freedom, Wal-Mart Store
Valued Contributor
Posts: 1,603
Registered: ‎09-15-2012
0

Re: Pulled the trigger, Discover IT

What other cards do you have, snowsurf? A lack of credit history could be hurting you, since you have what we call a thin file and lenders won't be able to determine how well you have manged credit in the past. This is a major indicator of future credit performance, and is generally helpful for getting new credit cards.

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
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