Reply
Regular Contributor
Bsong
Posts: 196
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!!! :smileyhappy:

 

Community Leader
Senior Contributor
myjourney
Posts: 26,602
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!!! :smileyhappy:

 


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

That being said I must be honest with you

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Regular Contributor
Bsong
Posts: 196
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!!! :smileyhappy:

 


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
enharu
Posts: 6,972
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
b_seeker
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
Bsong
Posts: 196
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
flyingace
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
flyingace
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
jamesdwi
Posts: 1,892
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 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Mega Contributor
LS2982
Posts: 15,434
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!!! :smileyhappy:

 


You should really stay in the Garden for a year. :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}