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Should I apply for Discover IT?

Mega Contributor

Re: Thanks for the nice response, SnackTrader. My FICO is aro...


Anapo14 wrote:

Thanks for the nice response, SnackTrader. My FICO is around 691. my AAoA is approximately 9 months. I had the Cap 1 for like a year and 1 month when I got the LL Bean Visa, and I just got the Freedom, which will drop it to about 6 months. No Baddies or installment loans. I guess I should wait, I am just really antsy right now, haha. As far as spending categories go, I'm pretty varied, actually. 


I think you would be approved. Go for IT!!!!

 

(Hopefully they give you a nice starting CL!!!)

 




EQ FICO 548 3/3/16
Message 11 of 16
New Member

Re: Should I apply for Discover IT?

Update:

I was approved you guys! Dddewdrop called it, as I got a credit limit of $500! Chase, however, approved me for $1900! And I got my ll bean visa increased to $1500! I am really happy to begin establishing credit with Discover! And hopefully, I will get a nice cli at my 6 month period!
How generous is Discover at the 6 month period?
At any rate, to the garden I go!

Message 12 of 16
Mega Contributor

Re: Should I apply for Discover IT?


Anapo14 wrote:

Update:

I was approved you guys! Dddewdrop called it, as I got a credit limit of $500! Chase, however, approved me for $1900! And I got my ll bean visa increased to $1500! I am really happy to begin establishing credit with Discover! And hopefully, I will get a nice cli at my 6 month period!

To the garden I go!


CONGRATS!!!

 

and welcome to the garden!!!! (I have the alcohol stahed in mine if you ever feel the need to come to the dark side and drapp...lmao)

 




EQ FICO 548 3/3/16
Message 13 of 16
Valued Member

Re: Should I apply for Discover IT?

Sounds reasonable, Thanks! 


Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


Take the myFICO Fitness Challenge
Message 14 of 16
New Contributor

Re: Should I apply for Discover IT?

I recently spoke with a Discover Rep about this card.  They said pretty much no one is being flat out declined unless they have accounts in bad standing on their credit report.  If you don't have ideal credit and have a score around 600-700 you will be approved, but you won't receive the same offers that are posted around the web such as 0% intro apr or bonus cash back.  You'll likely get in as a 3.99% intro apr for less months and no bonus cash with a lower limit but you'll definitely be approved.  Just call the backdoor # after you apply and you will be accepted within a few minutes.

:Capital One Spark Business $45k:::Chase Sapphire Preferred $30k:::Chase Amazon Visa $3k:::American Express BC $10k:::Chase Ink Plus $15k:::American Express Business Plum:::American Express Business Platinum::Citi Thank You Preferred $50k:::City Simplicity $10k:::REI Visa $10k::Capital One Quicksilver $15k:::American Express EveryDay $10k:::Wells Fargo Platinum Cash Back $10k:

FIA/BOA is the plague. AVOID THEM!
Message 15 of 16
Highlighted
Valued Contributor

Re: Should I apply for Discover IT?

Congrats and welcome to the Discover IT family.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 16 of 16