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Talk me out of responding to the Discover pre-app.

Frequent Contributor

Talk me out of responding to the Discover pre-app.

Tell me how lousy their initial CLs can be, often just $1K. 

 

Tell me I should garden until my woeful BK drops off in 2014, if I'm still alive. 


 

Tell me I just have to wait 34 days and the temptation will be over, b/c the pre-approval offer expires on Nov. 30. 

 

AND Tell me I already have THREE new accts. in 2012 and not to tempt fate by going for a fourth! 


 

OK, no need to reply, those four points convinced me!


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 1 of 13
12 REPLIES
Established Contributor

Re: Talk me out of responding to the Discover pre-app.

Awwwwwwwww GO FOR IT!
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 2 of 13
Valued Contributor

Re: Talk me out of responding to the Discover pre-app.

I will tell you none of those things! It is a great card! They have been generous with me 5490 - 10390 in a few years. Not as high as my others, but great nonetheless.
Message 3 of 13
Established Contributor

Re: Talk me out of responding to the Discover pre-app.

They gave me my highest CL to date and free cash advances into paypal($500) that you earn reward points on. Haha
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 4 of 13
Valued Contributor

Re: Talk me out of responding to the Discover pre-app.

They took me from $1,500 to $10,000 in six months Smiley Very Happy I think they are great.

Message 5 of 13
Established Contributor

Re: Talk me out of responding to the Discover pre-app.

Are those funny faces emoticons on here? or they're images you inserted?


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 6 of 13
Frequent Contributor

Re: Talk me out of responding to the Discover pre-app.

I ALMOST pulled the trigger on an Amex Zync the other day. But when I got to the website I looked at the date. Just a few more days then it will be 11 months since my last late... I need to at least get to the next month before I apply.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
Discover More
Chase Slate
Discover More
Message 7 of 13
Super Contributor

Re: Talk me out of responding to the Discover pre-app.

Wait until your last 30 days late passes the 12 month mark. Once you're in the 13th month since your last 30 days, go for it if your scores are up there.




Message 8 of 13
Frequent Contributor

Re: Talk me out of responding to the Discover pre-app.

 

+ 1

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 9 of 13
Valued Contributor

Re: Talk me out of responding to the Discover pre-app.


pazuzu wrote:

Tell me how lousy their initial CLs can be, often just $1K. 

 

Tell me I should garden until my woeful BK drops off in 2014, if I'm still alive. 


 

Tell me I just have to wait 34 days and the temptation will be over, b/c the pre-approval offer expires on Nov. 30. 

 

AND Tell me I already have THREE new accts. in 2012 and not to tempt fate by going for a fourth! 


 

OK, no need to reply, those four points convinced me!


 

 

You have three new accounts in 2012.  Do not tempt fate by going for a fourth.

 

 

(BACK TO THE FUTURE, WHERE'S MY DELOREAN?)  Smiley Happy

Message 10 of 13