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Should I give Discover another try?

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tinuviel
Moderator Emeritus

Re: Should I give Discover another try?


@killer_queen229 wrote:

I might just wait till March.. because then my secured card will be a year old, my Capital One Mastercard and TJX rewards card will be 8 months old, and the Old Navy and Kohl's cards will be 7 months old. Even though I'd like to spread out when I apply for cards, I really want all the cards I have in mind within 2014.


That seems to be the consensus here, and I agree with it. As mentioned earlier, waiting until March should give your scores a nice boost, as the inqs will have aged to a year and will no longer be factored into your FICO scores. Between that and your current accounts reaching their one year anniversary, you'd stand a better chance of approval and with better terms. I think you'll be happier in the long run if you just sit back and enjoy the view from the garden until March.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 21 of 22
killer_queen229
Established Contributor

Re: Should I give Discover another try?

I think that sounds like a good idea!  And my accounts that I have are in good standing. Cat Happy And if I wait till March some of my accounts might get natural credit increases just like the TJX rewards.  Which would make me as excited as the approvals I hope I can get.

Message 22 of 22
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