Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 197
Registered: ‎05-11-2013
0

Want to apply for Discover IT

[ Edited ]

Hi Guys.

 

Im trying really hard to stay in the garden but this itch (and need) to apply for a Discover It card is driving me nuts. 

If im gonna be stubborn and apply for it, I was hoping to get feedback from the forum to see what my chances are... 

 

I was also considering applying for Chase Sapphire or AMEX BCE (I know, these 2 are out of my legue but like I said, if im gonna be stubborn, might as well go ALL THE WAY!) . 

 

INQUIRIES: 6 on TU -  6 on EX and 0 on EQ in the last 6 months. With the last 8 being in MAY 2013.

SCORE:695 EX 690 TU and 685 on EQ (Scores pulled from last months Inquiries) 

AAoA: 3 months 

Longest history: 9 Months (Car payments) 

 

THANKS ALL!!! Smiley Happy

 

Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Want to apply for Discover IT


Bsong wrote:

Hi Guys.

 

Im trying really hard to stay in the garden but this itch (and need) to apply for a Discover It card is driving me nuts. 

If im gonna be stubborn and apply for it, I was hoping to get feedback from the forum to see what my chances are... 

 

I was also considering applying for Chase Sapphire or AMEX BCE (I know, these 2 are out of my legue but like I said, if im gonna be stubborn, might as well go ALL THE WAY!) . 

 

INQUIRIES: 6 on TU -  6 on EX and 0 on EQ in the last 6 months. With the last 8 being in MAY 2013.

SCORE:695 EX 690 TU and 685 on EQ (Scores pulled from last months Inquiries) 

AAoA: 3 months 

Longest history: 9 Months (Car payments) 

 

THANKS ALL!!! Smiley Happy

 


Your AAoA is really low and may increase the odds of denial sorry

That being said I must be honest with you

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?
Regular Contributor
Posts: 197
Registered: ‎05-11-2013
0

Re: Want to apply for Discover IT


myjourney wrote:

Bsong wrote:

Hi Guys.

 

Im trying really hard to stay in the garden but this itch (and need) to apply for a Discover It card is driving me nuts. 

If im gonna be stubborn and apply for it, I was hoping to get feedback from the forum to see what my chances are... 

 

I was also considering applying for Chase Sapphire or AMEX BCE (I know, these 2 are out of my legue but like I said, if im gonna be stubborn, might as well go ALL THE WAY!) . 

 

INQUIRIES: 6 on TU -  6 on EX and 0 on EQ in the last 6 months. With the last 8 being in MAY 2013.

SCORE:695 EX 690 TU and 685 on EQ (Scores pulled from last months Inquiries) 

AAoA: 3 months 

Longest history: 9 Months (Car payments) 

 

THANKS ALL!!! Smiley Happy

 


Your AAoA is really low and may increase the odds of denial sorry

That being said I must be honest with you


Thanks for your honesty... I know Ill probably be denied too... But for some reason knowing that I have 0 inquiries on my EQ report  is giving me some hope. I know they are as hard to Recon as CITI so I was thinking maybe just going with CHASE and recon the denial. I know chase pulls EQ and EX in CA from I found... 

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Want to apply for Discover IT

Honestly your odds are better for discover than chase. Just because chase has a good recon department doesn't mean it's guaranteed approval, nor increased chances of approval. The analysts are still required to follow by a set guidelines of underwriting standards
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).
Frequent Contributor
Posts: 390
Registered: ‎03-24-2013
0

Re: Want to apply for Discover IT

What all were you approved for or denied in May for the inqs? Give us a picture of your reports.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Regular Contributor
Posts: 197
Registered: ‎05-11-2013
0

Re: Want to apply for Discover IT

Applied for Boa $5k cl - Approved after recon
Applied for Boa cash reward $1000 cl - Approved after recon
Citi diamond preferred $1000cl - approved after 7 attempts on recon.
Capone $500 cl applied for in feb 2013 and recon to $1k cl in May soft pull.


Valued Member
Posts: 313
Registered: ‎04-25-2013
0

Re: Want to apply for Discover IT


Bsong wrote:
Applied for Boa $5k cl - Approved after recon
Applied for Boa cash reward $1000 cl - Approved after recon
Citi diamond preferred $1000cl - approved after 7 attempts on recon.
Capone $500 cl applied for in feb 2013 and recon to $1k cl in May soft pull.



Every single card you were only approved after recon, and two of those were a toy limit. Your chances aren't very good right now. Take it from me, I ignored advice, and apped for CSP anyway... cost me a HP and no go after recon! Give it some time, and those cards will be yours -- probably six months or more. 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Valued Member
Posts: 313
Registered: ‎04-25-2013
0

Re: Want to apply for Discover IT

As an added incentive, you keep shredding your AAoA w/ the new accounts! 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Valued Contributor
Posts: 2,360
Registered: ‎09-16-2011
0

Re: Want to apply for Discover IT

OP seriously, you need to hit the garden for 6 months perhaps a year, if you are getting $500 CL from capone on ReCON, its a huge sign "Stop APPING", you went from 5k CL's to $500 CL,  if you got discover to approve you they may give you a $250 CL, that you will be stuck with for 2-5 years while they decide if you are to be trused for with a $1000 CL,  wait 6 months you will probably get a $2,500 or maybe even a $5000 CL discover card.  Step away from the computer. The Garden Squad will be with you shortly.

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 15.5k and a nice stack of store cards.
Last APP/HP 9/5/2016
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Want to apply for Discover IT


Bsong wrote:

Hi Guys.

 

Im trying really hard to stay in the garden but this itch (and need) to apply for a Discover It card is driving me nuts. 

If im gonna be stubborn and apply for it, I was hoping to get feedback from the forum to see what my chances are... 

 

I was also considering applying for Chase Sapphire or AMEX BCE (I know, these 2 are out of my legue but like I said, if im gonna be stubborn, might as well go ALL THE WAY!) . 

 

INQUIRIES: 6 on TU -  6 on EX and 0 on EQ in the last 6 months. With the last 8 being in MAY 2013.

SCORE:695 EX 690 TU and 685 on EQ (Scores pulled from last months Inquiries) 

AAoA: 3 months 

Longest history: 9 Months (Car payments) 

 

THANKS ALL!!! Smiley Happy

 


You should really stay in the Garden for a year. Smiley Happy




EQ FICO 548 3/3/16

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.