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Pulled the trigger, Discover IT

Valued Contributor

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)
Message 11 of 32
Frequent Contributor

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 *****
Message 12 of 32
New Contributor

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.  

 

 

Message 13 of 32
Valued Contributor

Re: Pulled the trigger, Discover IT

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


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 14 of 32
Community Leader
Senior Contributor

Re: Pulled the trigger, Discover IT

Congrats!!!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 15 of 32
Frequent Contributor

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: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 16 of 32
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 17 of 32
Super Contributor

Re: Pulled the trigger, Discover IT

congratsSmiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 18 of 32
Established Member

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
Message 19 of 32
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 20 of 32