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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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!!!)

 




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
New Member
Anapo14
Posts: 4
Registered: ‎02-23-2013

Re: Should I apply for Discover IT?

[ Edited ]

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!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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)

 




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
Valued Member
freeurmind
Posts: 38
Registered: ‎02-03-2013

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


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New Contributor
gpfirestone
Posts: 93
Registered: ‎02-20-2013

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 $18k:::Chase Amazon Visa $3k:::American Express BC $6k:::Chase Ink Plus $15k:::American Express Business Plum:::American Express Business Platinum::Citi Diamond Preferred $14k:::REI Visa $6k::Capital One Quicksilver $15k:

FIA/BOA is the plague. AVOID THEM!
Established Contributor
TiggerDat
Posts: 1,013
Registered: ‎10-15-2011

Re: Should I apply for Discover IT?

Congrats and welcome to the Discover IT family.


Grow little seedling grow.

Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!

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