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Thinking about a Discover or DCU

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Justrebuilding
Regular Contributor
‎01-01-2013 05:34 PM
‎01-01-2013 05:34 PM

Thinking about a Discover or DCU

After I close on my home I am considering apping for a couple of cards, would love your opinions....

 

i am looking for something bk friendly (chap 7 in 2008) with a rewards program that might give me a good CL. So far I'm leaning towards a DCU card or Discover. Anyone know if these are bk friendly and have good rewards? Any others I should consider?

 

Thanks!



Chase Sapphire Reserve 10k Cap 1 QS 15K, Cap 1 QS 5K, Cap 1 QS 4K, Cap 1 QS 4K, GE Care Cr 7K NFCU Cash Rewards 10K Walmart 1.3K NavCheck 5K Freedom 6K Freedom 2.5K Hyatt 4K Sallie Mae 5K Barclay Rewards 3K Macy's 1K
US Airways 1.5K, Discover 8K,
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Rhaeny
Valued Contributor
‎01-02-2013 04:07 AM
‎01-02-2013 04:07 AM

Re: Thinking about a Discover or DCU

I have them both and my bk is from 2007.  Opened up DCU in September and Discover in December.  DCU gave me over 7 times the limit than Discover, but that's because Discover is more conservative.  I'll just have to wait a while to see how Discover does with CLI's.  Good luck! 

 

Oh and check out whogavemecredit.com


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
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Justrebuilding
Regular Contributor
‎01-02-2013 07:18 PM
‎01-02-2013 07:18 PM

Re: Thinking about a Discover or DCU

Thanks Rhaeny! That gives me hope. do you know which CRA they pulled?



Chase Sapphire Reserve 10k Cap 1 QS 15K, Cap 1 QS 5K, Cap 1 QS 4K, Cap 1 QS 4K, GE Care Cr 7K NFCU Cash Rewards 10K Walmart 1.3K NavCheck 5K Freedom 6K Freedom 2.5K Hyatt 4K Sallie Mae 5K Barclay Rewards 3K Macy's 1K
US Airways 1.5K, Discover 8K,
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Rhaeny
Valued Contributor
‎01-02-2013 07:21 PM
‎01-02-2013 07:21 PM

Re: Thinking about a Discover or DCU

They pulled EQ for me.  But take a look at that website I posted for you and you can see which scores people had when approved, the CLI's and other pertinent information that will give you a better feel.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
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eviLution
Established Contributor
‎01-02-2013 07:26 PM
‎01-02-2013 07:26 PM

Re: Thinking about a Discover or DCU

DCU pulled EQ for me too.

 

I was approved with only 5 months of history with no Ficos generated, but my files squeaky clean though.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
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