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Regular Contributor
Posts: 177
Registered: ‎01-16-2013
0

Received Discover it credit card offer! update; approved with 1k!

[ Edited ]

It has been 3 months after getting BofA secured card (CL $300) and I've been taking care of credit utilization really carefully since then.

And I received my Discover it credit card offer today through postal mail! (guessing it's pre-approved?)

 

I just wanted to say thanks to you guys for helping me!

 

* When should I apply for another card? recommendation? credit karma shows my score as 721.

 

--

Update:

Just filled out the application and approved with $1k!

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Received Discover it credit card offer!


JasonKR wrote:

It has been 3 months after getting BofA secured card (CL $300) and I've been taking care of credit utilization really carefully since then.

And I received my Discover it credit card offer today through postal mail! (guessing it's pre-approved?)

 

I just wanted to say thanks to you guys for helping me!


You gonna pull the trigger??

 

You should probably wait 3 months tho.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 177
Registered: ‎01-16-2013
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Re: Received Discover it credit card offer!


LS2982 wrote:

JasonKR wrote:

It has been 3 months after getting BofA secured card (CL $300) and I've been taking care of credit utilization really carefully since then.

And I received my Discover it credit card offer today through postal mail! (guessing it's pre-approved?)

 

I just wanted to say thanks to you guys for helping me!


You gonna pull the trigger??

 

You should probably wait 3 months tho.


hmm seems like offer is for Discover it for Students.

well it's worth trying, isn't it?

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Contributor
Posts: 93
Registered: ‎12-16-2012
0

Re: Received Discover it credit card offer!


JasonKR wrote:

It has been 3 months after getting BofA secured card (CL $300) and I've been taking care of credit utilization really carefully since then.

And I received my Discover it credit card offer today through postal mail! (guessing it's pre-approved?)

 

I just wanted to say thanks to you guys for helping me!

 

* When should I apply for another card? recommendation? credit karma shows my score as 721.


Do not waste a hp right now keep waiting another 3 months at min if that is your only credit card right now and I would suggest trying to increase that secured CL to at least 1k before applying for the Discover IT. Without know any details about your situation it makes it hard to give better advice. Income - Fico score - Other accounts and any negatives would help us give you better advice. 99% of credit mistakes happen when people rush to get it give it time and take care of it and it will take care of you for the rest of your life. 3 - 6 or even 9 more months of waiting in order to get a good CL will seem like no time at all in 5-10 years from now. 

Contributor
Posts: 93
Registered: ‎12-16-2012
0

Re: Received Discover it credit card offer!


JasonKR wrote:

LS2982 wrote:

JasonKR wrote:

It has been 3 months after getting BofA secured card (CL $300) and I've been taking care of credit utilization really carefully since then.

And I received my Discover it credit card offer today through postal mail! (guessing it's pre-approved?)

 

I just wanted to say thanks to you guys for helping me!


You gonna pull the trigger??

 

You should probably wait 3 months tho.


hmm seems like offer is for Discover it for Students.

well it's worth trying, isn't it?


that is a totally diffrent story. This card is designed for people with thin files and if you have no negative and are in school and have some income or support you can show its a great way to join the discover family and as you and the card age it will help you down the road if you take care of IT.

 

 

Regular Contributor
Posts: 177
Registered: ‎01-16-2013
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Re: Received Discover it credit card offer!

okay, just approved with $1k credit limit! lol Thanks guys.

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Contributor
Posts: 93
Registered: ‎12-16-2012
0

Re: Received Discover it credit card offer!

CongratsSmiley Tongue

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Received Discover it credit card offer!


JasonKR wrote:

okay, just approved with $1k credit limit! lol Thanks guys.


CONGRATS!!!

 

Is it the IT card or student?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 177
Registered: ‎01-16-2013
0

Re: Received Discover it credit card offer!


solxp wrote:

CongratsSmiley Tongue


Thanks Smiley Very Happy

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Regular Contributor
Posts: 177
Registered: ‎01-16-2013
0

Re: Received Discover it credit card offer!


LS2982 wrote:

JasonKR wrote:

okay, just approved with $1k credit limit! lol Thanks guys.


CONGRATS!!!

 

Is it the IT card or student?


It was IT card for Students!

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
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