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So happy I bit the bullet and applied and was approved for a Discover It card!

Contributor

So happy I bit the bullet and applied and was approved for a Discover It card!

It wasn't long ago my credit was horrid, high 500's(18 months ago) high utilization, lates. But since joining myfico.com, steadfastly getting my utilization down to 0-1% and on time payments for two years, I managed to get my ficos up to the high 690's. Rather than wait till the baddies fall off in a year and needing a rewards card now--I applied for a Discover IT card. I had to talk to a specialist becuase I'm self employed and the income stated (72k) But after the online app and calling the specialist, after a minute she said everything looks good and I was approved for 5k!

 

Happy becuase that's a good sign...my first credit limit over the highest card I have now, 2.4k, and even the 4k limit of the amex (lost that card due to too many lates 5 years ago)

 

I heard many of the top tier cards  like to see a credit limit of at least 5k, so after gardening for awhile I'll apply to those.

 

Very happySmiley Happy


Southwest Premier & Plus 25.8k I Alaska Air 19k I Discover It 16k I United Explorer 15k I Chase Business Ink Cash 12k Wells Fargo 2.5k I Bill Me Later 5k I Amazon 3.5k I Pier 1/VS/1.5k


Current Scores:
(TU) 767, (EQ) 763 (EX) 765
Goal Score: 800
Message 1 of 12
11 REPLIES
Moderator Emerita

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Message 2 of 12
Super Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Congrats nice rebuild also

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 12
Established Member

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Congrats!  Definitely an accomplishment!

Message 4 of 12
Super Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

grats!

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 5 of 12
Valued Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

I'm glad for you...DI is a good card.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 6 of 12
Valued Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Congrats!!!! 

*8/10/13
Message 7 of 12
Mega Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!


KAISMOM wrote:

It wasn't long ago my credit was horrid, high 500's(18 months ago) high utilization, lates. But since joining myfico.com, steadfastly getting my utilization down to 0-1% and on time payments for two years, I managed to get my ficos up to the high 690's. Rather than wait till the baddies fall off in a year and needing a rewards card now--I applied for a Discover IT card. I had to talk to a specialist becuase I'm self employed and the income stated (72k) But after the online app and calling the specialist, after a minute she said everything looks good and I was approved for 5k!

 

Happy becuase that's a good sign...my first credit limit over the highest card I have now, 2.4k, and even the 4k limit of the amex (lost that card due to too many lates 5 years ago)

 

I heard many of the top tier cards  like to see a credit limit of at least 5k, so after gardening for awhile I'll apply to those.

 

Very happySmiley Happy


CONGRATS!!!

 

Nice CL as well!




EQ FICO 548 3/3/16
Message 8 of 12
Regular Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Congrats.....!!! good job

Message 9 of 12
Valued Contributor

Re: So happy I bit the bullet and applied and was approved for a Discover It card!

Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 10 of 12