topic Re: Hah weird, approved for Discover IT in Credit Card Approvals

Hah weird, approved for Discover IT

Kirmie2010 — Sun, 11 Jan 2015 04:41:05 GMT

I shouldnt of been applying but I figured since I cant keep in the garden anyway I may as well try for all the other cards I was wanting.

AMEX denied like always.

Got the Chase Freedom approved 500 limit 4 days ago, already posted that Applied for the slate the next morning, pending decision.

The card I am writing about today is the DiscoverIT card! I applied for the DiscoverIT, processing window was loading, popped up chat with online specialist or continue application, I continued application, I put in my work information and how long ive lived at my address hit submit again. Waiting for processing, a new window popped up, we are unable to approve you for your initial application of the DiscoverIT card but we have the following offer for the DiscoverIT card yada yada. (I am guessing the terms were different? I never read the APR in the first window I always figure its max amount) I clicked to accept their new terms and

KIRK, Congratulations, you've been approved!

Your card, credit line and other important information should arrive in 5-7 days. When you get it, be sure to call and activate your card. Then, you'll be ready to start enjoying cash rewards on every purchase.

Thanks for choosing us!

Very excited, the only card I do not have now that I wanted when I started rebuilding is an AMEX. Considering they are the last company to not approve me and I have all the cash back cards I would ever need (4 or 5 now) I wont be getting an AMEX! So looks like I am done with credit cards finally Now its all working on my score for a house in 2 years and periodic CLIs.

8.5k in judgements to be paid, 1 paid judgement, 2 medical collections totalling 700 dollars, regardless of which report they pulled, the lowest amount of inquiries I have is 19(otheres are 23 and 25). 10 accounts opened within the last year. 35% utilization overall. (half the cards report 0 balance, the other few are at 70%)

Hope it gives hope to those who have not so great credit but want better cards! Never thought I would get these cards already!

*edit*
Credit limit 1300, my highest yet

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 03:31:17 GMT

Awesome approval... congrats!

Re: Hah weird, approved for Discover IT

Anomalous — Sun, 11 Jan 2015 03:38:29 GMT

Congratulations!

Re: Hah weird, approved for Discover IT

gdale6 — Sun, 11 Jan 2015 03:40:08 GMT

Grats on your Discover approval and welcome to the family

Re: Hah weird, approved for Discover IT

CreditMagic7 — Sun, 11 Jan 2015 03:40:52 GMT

That's some approvals with the load there.

Congrats!!!

Re: Hah weird, approved for Discover IT

Kirmie2010 — Sun, 11 Jan 2015 03:49:17 GMT

Thanks! Credit limit is 1300, my highest limit of all the cards I have now. I had to call and find out

I really like their customer service, US based (Salt lake city) , clear phone line, very loud, super friendly and more than happy to help. I think she congratulated me on the card 5 times and in joining with discover.

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 03:52:06 GMT

Haha! That's how they were with me as well. Every time I call Discover to get help or have a question answered, it's always a blast. The reps are very positive about issues.

And I have heard the "I also see your account is new, so welcome to Discover and congrats!" lol.

Re: Hah weird, approved for Discover IT

uswala — Sun, 11 Jan 2015 03:52:27 GMT

Congrats on the approval!

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 03:57:06 GMT

Just a quick question as you mentioned they counter-offered a product to you; It was not the secured card that you got approved for, right?

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 04:05:29 GMT

Agree the customer service is top notch. Congrats! Sometimes they dont offer a 0% intro APR when terms are changed you might want to check on that if it matters.

Re: Hah weird, approved for Discover IT

chalupaman — Sun, 11 Jan 2015 04:07:23 GMT

Discover's not a bad card to have at all. It's definitely one of the better prime cards out there, so congrats to you there! Enjoy it.

Re: Hah weird, approved for Discover IT

Kirmie2010 — Sun, 11 Jan 2015 04:25:00 GMT

No, not a secured. Regular credit card. And I think your right, the APR is the major change, I didnt get any intro APR drop.

I dont much mind the APR, didnt plan on any big spending or carrying a huge balance so it works out great Heres the fee list for the one I got.

Set-up and Maintenance Fees
Annual Fee	None
Transaction Fees
Balance Transfer	3% of the amount of each transfer .
Cash Advance	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment	None the first time you pay late. After that, up to $35
Returned Payment	Up to $35.

Annual Percentage Rate (APR) for Purchases	Your APR will be 22.99%. This APR will vary with the market based on the Prime Rate.

Re: Hah weird, approved for Discover IT

One7 — Sun, 11 Jan 2015 04:25:03 GMT

Congratulations! Not bad

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 04:26:46 GMT

Still a very nice approval! Enjoy, I love this card

Re: Hah weird, approved for Discover IT

Closingracer99 — Sun, 11 Jan 2015 04:32:32 GMT

@chalupaman wrote:
Discover's not a bad card to have at all. It's definitely one of the better prime cards out there, so congrats to you there! Enjoy it.

Eh I wouldn't call it the better prime cards. Cli they are very stingy with

congrats op though

Re: Hah weird, approved for Discover IT

JamesB95 — Sun, 11 Jan 2015 04:48:27 GMT

Congrats!

I've had great experience with Discover. They led the way to the credit world. I am glad they approved me last June, just starting off with credit.

Back then, I had NO FICO score, yet. My FICO score took about 6 months to kick in, just starting in December (last month).

Even with 0 credit history, they approved me for $500 June, 2014.

I tried for a lower APR (19.99% was 0% for 6 months) and higher CL. They won't change my APR until June (a year with them), but, that's OK. And, I think my income is too low for an increase.

Re: Hah weird, approved for Discover IT

Anonymous — Sun, 11 Jan 2015 07:02:26 GMT

Congratulations!!

Re: Hah weird, approved for Discover IT

NRB525 — Sun, 11 Jan 2015 07:10:40 GMT

Congratulations!

I like Discover. It's a constant debate here about the CLI situation. I'm hoping my heavy usage will get me a CLI after May, when the temporary CLI expires.

Too bad about the AMEX, but with time, your scores will improve. I'll wager you change your mind after that happens and then you app for AMEX. It's another card well worth having, particularly since they now have the ED and BCE with no AF.

Re: Hah weird, approved for Discover IT

coldnmn — Sun, 11 Jan 2015 10:51:45 GMT

Congrats on your Discover! Thanks for sharing.

Re: Hah weird, approved for Discover IT

Closingracer99 — Sun, 11 Jan 2015 15:33:19 GMT

@JamesB95 wrote:
Congrats!

I've had great experience with Discover. They led the way to the credit world. I am glad they approved me last June, just starting off with credit.

Back then, I had NO FICO score, yet. My FICO score took about 6 months to kick in, just starting in December (last month).

Even with 0 credit history, they approved me for $500 June, 2014.

I tried for a lower APR (19.99% was 0% for 6 months) and higher CL. They won't change my APR until June (a year with them), but, that's OK. And, I think my income is too low for an increase.

They are my first card but when I have better cards and better limits why should I use them if they don't want to grow. The limits in my sig is about 99% on point except for my quick silver card which is now $1,500 . After I went from $750 they increased to $1,000 to $1,500 to $2,500 all with HPs .

It is a great card but they are stingy ...hope they change becuase tbh the only reason why I still have the card is because it's my first