requirements for DISCOVER

[clocktick]

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@Anonymous wrote:

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@Anonymous wrote:

T X JOHN----What IS your fico scores?  LOL

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I'm waiting for all accounts to report before I run MyFICO.  But ScoreWatch gave me EQ 780 when PenFed reported, which was my last account to report, except now for NFCU.

I'll run MyFICO when NFCU reports so that I know the full "damages" and update my sig line

Message Edited by txjohn on 05-07-2009 12:32 PM

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Haha.  What is they again?? 

[score_building]

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@Anonymous wrote:

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@score_building wrote:
not to mention to go on an app spree when you finally reach 1+ year AAoA can bring your AAoA back into the infant stages (if you obtain new accounts) this makes you look less desirable to all lenders and can jeopardize a mortgage application.

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At the 1 yr mark i will be closing a few cards that I have no need for.And replacing them with more desirable cards.More desirable to me not anyone else.

thanks for the positive reinforcement tho........

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that's cool.  ftr, i did not speak to what cards you find more or less desirable, that's for you to decide.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I apped Discover in early March. They  pulled EQ., my worst report by far. It's the only report with any bad, an 8 yr. old dismissed BK. EQ score at the time was 707, AAofAs 7.8 yrs, utilization 22-26%, no inquiries at all. I received instant online approval for $5000.

Immediately afterward I apped for Citi and US Bank...received $4000 and $8000 respectively. So, Discover seems to be not really conservative but not especially free with CLs.

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Thanks for the info..And a belated Congrats on the approvals......

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Thanks so much Carter. This first ever app spree for me was sparked by Chase taking over two of my older cards. Not sure why, but I just don't trust them and not crazy about their CS at all!.

Good luck to you when/if you decide to app...and a BIG CONGRATULATIONS on your new home!!!

[Anonymous]

clock tick;   LOl

they is not so good.

[Kay_Cee]

I've been itching to get the Discover More card and just decided to app before any legislation gets passed which would tighten credit even more.  Using a promo code from Sunday's paper, I got instant approval.  Not sure what the limit is yet, but having the card is more important to me than the limit, so I'm happy with whatever I get. 

I am officially now in the gardening mode as there aren't any other cards I want, or need.  Maybe a CU card sometime early next year.

TU 5/09 -714

EQ 5/09 - 703

EX - ??

[demi]

After one payment I received a letter indicating that because my exceptional payment history on my Discover Card, they upped my limit from 1000 to 1350.  One payment !

[Anonymous]

Wow...excellent news!!  Congrats!!

[Kay_Cee]

Vegas - Do you remember what your scores were when you applied?  $5,000 limit immediately??  I've got a couple of recent inquiries (4 in the last 12 months) but no derogs for 3+ years and never later, good DTI ratio, so even though I said I really didn't care, I'm hoping for a decent limit.

I'm kicking my HSBC Discover to the curb when I get the bill for the annual fee in October.  They served their purpose but, it's time to let them go.

[Anonymous]

Discover pulled EQ, my worst report and score. As I said before, it is the only report still showing my 8 yr old dismissed BK.  No other baddies and no inquiries in over a year.  My utilization at the time was about 26%, I believe, and my EQ score was 705-710.

 The positives on my report included an AAofAs of 7.6 yrs and oldest card over 17 yrs. Highest credit card limit was $12,500.

Good luck to you on your app!

BTW...Even though I had received a preapproval for the More card a few months earlier, I didn't app at that time. Like you I used the promo code from a local Sunday paper insert when I applied.

ETA...I may have had to wait a few days to know what my limit would be on this card. I apped 2 other cards at the same time and know that 2 of them told me my limits immediately while one of them made me wait to know.

Message Edited by VEEnVEGAS on 05-19-2009 11:40 AM

Message Edited by VEEnVEGAS on 05-19-2009 11:46 AM

[Anonymous]

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@clocktick wrote:

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@Anonymous wrote:

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@Anonymous wrote:

T X JOHN----What IS your fico scores?  LOL

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I'm waiting for all accounts to report before I run MyFICO.  But ScoreWatch gave me EQ 780 when PenFed reported, which was my last account to report, except now for NFCU.

I'll run MyFICO when NFCU reports so that I know the full "damages" and update my sig line

Message Edited by txjohn on 05-07-2009 12:32 PM

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Haha.  What is they again?? 

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@Anonymous wrote:

clock tick;   LOl

they is not so good.

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I don't follow?  Was there a question or just a razz

Message Edited by txjohn on 05-19-2009 11:53 AM