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Question about Discover It card approval?

Contributor

Question about Discover It card approval?

I just got an invite to Discover IT in the mail, so I responded and got approved today but they didn't tell me what kind of limit they are giving me. Does anyone know what limit I should expect with this card? Does anyone know anything more about this card? Thanks

{NFCU-25k}{Saphire-15k}{Duck-15k}{BOA-12k}{DCU-10k}{Slate-7200}{Simplicity-$7200}{USAA-6k}{DiscoverIT-5k}{CitiTY-$4100}{AmexBCE-$3500}{Venture-$3000}{WalmartDisc-$2600}{Merrick-$1200}{AmazonVisa-$1650}{Cap1-$600}
1/1/14 [Experian-Fico 747][TU-Fico744][Equifax-Fico766]
Message 1 of 11
10 REPLIES
Moderator Emerita

Re: Question about Discover It card approval?

There is a plethora of threads regarding IT . Call Discover and ask for your terms. In the meanwhile, you can go to Discover.com and review the benefits.

Congrats on your approval
Message 2 of 11
Established Contributor

Re: Question about Discover It card approval?

It varies wildly.

 

Someone mentioned the other day that if you have mostly cards with low limits, they'll give you a high starting CL. As was the case with me; they gave me 8k. OTH, if you have cards with decent limits already, they'll start you off on the low end.

 

If you were asked to set up an account and happened to notice the alert for "when balance reaches XXXX", that's 90% of your CL.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 3 of 11
Contributor

Re: Question about Discover It card approval?

The offer is 0% interest for 14months and 10%-20% depending on creditworthyness. I tried to go on the online account but its not setup yet. I just wanted to get a roundabout # of what to expect. It showed i have to wait 4-5 days for everything to be setup. U guys know how it is when u don't know the answer to something like this.

{NFCU-25k}{Saphire-15k}{Duck-15k}{BOA-12k}{DCU-10k}{Slate-7200}{Simplicity-$7200}{USAA-6k}{DiscoverIT-5k}{CitiTY-$4100}{AmexBCE-$3500}{Venture-$3000}{WalmartDisc-$2600}{Merrick-$1200}{AmazonVisa-$1650}{Cap1-$600}
1/1/14 [Experian-Fico 747][TU-Fico744][Equifax-Fico766]
Message 4 of 11
Member

Re: Question about Discover It card approval?


quarius wrote:

I just got an invite to Discover IT in the mail, so I responded and got approved today but they didn't tell me what kind of limit they are giving me. Does anyone know what limit I should expect with this card? Does anyone know anything more about this card? Thanks


Congrats! So far it seems like a great card with amazing customer service. When I got my card, I was able to log into the online account immediately and see everything. They also sent the card with expedited shipping. If you can't log on the website, call them and they will match your account to your phone number and you can get the info that way.

 


Starting Score: 09/2012 635 EXP [myFICO]
683 EQ [myFICO] | 692 EXP [Lender] | 700 TRANS [Walmart FICO]

Current Scores are as of 08/2013: On my way to 700's. Too many Inquiries - In the GARDEN 08/2013
Message 5 of 11
Frequent Contributor

Re: Question about Discover It card approval?

Call 'em up and ask what your CLI is. Why wait? Smiley Happy

Message 6 of 11
Regular Contributor

Re: Question about Discover It card approval?

 

I think even if you call now they'll give out automated info on the card..

 

(it's 11:30 pm where I'm at)

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Message 7 of 11
Valued Contributor

Re: Question about Discover It card approval?

Try the application status line Here; if not then just give them a ring


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 8 of 11
Regular Contributor

Re: Question about Discover It card approval?


Simply827 wrote:

It varies wildly.

 

Someone mentioned the other day that if you have mostly cards with low limits, they'll give you a high starting CL. As was the case with me; they gave me 8k. OTH, if you have cards with decent limits already, they'll start you off on the low end.

 

If you were asked to set up an account and happened to notice the alert for "when balance reaches XXXX", that's 90% of your CL.


This remind me on last year i applied for Discover More approved for $5500 limit. They pulled EQ and i only have one credit card (BBRZMC) with a limit of $500. That time i was at work and i have to close my mouth with hands and said shut up. Never forget that moment.

Message 9 of 11
Contributor

Re: Question about Discover It card approval?

Ok so i called like u guys told me today and i have a starting limit of $2000. When I get the card I will try what u said and tell them that I want to do some balance transfers to see if they will make it higher. I'm happy with a 2k limit to start. Also my first card with zero foreign fees.

{NFCU-25k}{Saphire-15k}{Duck-15k}{BOA-12k}{DCU-10k}{Slate-7200}{Simplicity-$7200}{USAA-6k}{DiscoverIT-5k}{CitiTY-$4100}{AmexBCE-$3500}{Venture-$3000}{WalmartDisc-$2600}{Merrick-$1200}{AmazonVisa-$1650}{Cap1-$600}
1/1/14 [Experian-Fico 747][TU-Fico744][Equifax-Fico766]
Message 10 of 11