topic Re: Another Discover IT Approval!! in Credit Card Approvals

Another Discover IT Approval!!

Queen_Etherea — Tue, 04 Sep 2018 17:16:22 GMT

Ok so I've been itching to apply for this card for weeks after seeing all the approvals. Today, I finally decided to pull the trigger! I hit that "Submit Application" button before I could stop myself LOL. Only approved for $1,500, but I'll take it!!!

Can I call them to request a bigger credit limit?

Also, all of my data points are in my siggy, but I'll post them here anyways...

FICO 8 Scores

Experian: 651

TransUnion: 670

Equifax: 660

Collections: (Depending on the CRA, I have 1-2 things in collections)

CMRE: Reported to TransUnion and Experian only - $80 (paid today)

CCoC: Reported to all 3 (deleted from TransUnion) - $1,600 (falls off October)

Late Payments: 1 (30 day late from 2012)

Re: Another Discover IT Approval!!

Anonymous — Tue, 04 Sep 2018 23:24:31 GMT

CONGRATULATIONS!! I know the feeling. I clicked the submit button and closed my eyes. Haha. I just got approved today as well. We are Discover family now!

Re: Another Discover IT Approval!!

Queen_Etherea — Tue, 04 Sep 2018 17:38:10 GMT

@Anonymous wrote:
CONGRATULATIONS!! I know the feeling. I clicked the submit button and closed my eyes. Haha. I just got approved today as well. We are Discover family now!

That's amazing! It's nice to finally be apart of this family. I honestly never thought I'd see the day where I would apply for a credit card and be instantly approved! I was 1,000,000% sure they were going to say denied, or needs to be reviewed. My scores started in the super dumps, so this is a nice feeling.

Also, do you know if I can call them and request a bigger credit line?

Re: Another Discover IT Approval!!

Anonymous — Tue, 04 Sep 2018 19:28:43 GMT

I thought the same thing about it being reviewed. As far as the CLI goes, I guess you could always call and ask for them to bump it up a bit or just wait 3-months and ask. Not really sure, this is my first rodeo. The experts here would be better equipped to answer that.

Re: Another Discover IT Approval!!

Anonymous — Tue, 04 Sep 2018 18:58:42 GMT

Very nice post, Q. Excellent job with the relevant DPs. Very helpful. Question: did they pull EX?

And Congrats! on a sweet approval. It'll grow.

Re: Another Discover IT Approval!!

xaximus — Tue, 04 Sep 2018 19:21:03 GMT

Congrats on your approval! Doing great!

Re: Another Discover IT Approval!!

Queen_Etherea — Tue, 04 Sep 2018 19:58:19 GMT

@Anonymous wrote:
Very nice post, Q. Excellent job with the relevant DPs. Very helpful. Question: did they pull EX?
And Congrats! on a sweet approval. It'll grow.

Thanks! I always try to look at other people's data to get an idea on what I could possibly be approved for, so I thought this might be useful for other people.

I honestly don't know who they pulled. I haven't gotten any alerts as of yet, but if I had to guess, I would say TU. I would check Discover's pre-approval page periodically, and it wasn't until TU updated to my score to 670 that I started getting any offers other than the secured card. I'm in California, if that matters. I read that they will usually pull TU, but I know it's different for everyone. I will update you guys once I figure out what they pulled. Although... now that I think about it, the guy on the phone said it was a soft pull when I applied. I called to ask about a CLI (which they said no, what you got is what we'll give) and he said it was a soft pull and that if it was a hard pull, they'd let me know. He could've been talking about the CLI in 3 months, though. Sorry I know I'm being confusing LOL.

Re: Another Discover IT Approval!!

Cred4All — Tue, 04 Sep 2018 20:24:51 GMT

Congrats on the approval. Disco brings alot of love to the board here! Me personally from what you posted, I'd probably wait for a CLI in a few months rather than try to recon that.. a little gardening goes a long way.

Re: Another Discover IT Approval!!

Queen_Etherea — Tue, 04 Sep 2018 21:09:10 GMT

@Cred4All wrote:
Congrats on the approval. Disco brings alot of love to the board here! Me personally from what you posted, I'd probably wait for a CLI in a few months rather than try to recon that.. a little gardening goes a long way.

I think you're absolutely right! I should get another increase on my Capital One card around the same time, too. I'm just waiting for the day I get pre-approved for an AMEX card or can apply for a Chase card. Still a little ways away, but I'll get there soon. Can't wait to see what this new card does for my credit in a few months, as it's my 3rd card. Also, once that last collection falls off my Equifax, I can apply for a PenFed card. I spoke to a rep there who said they most likely won't approve me for anything if I have something in collections. Regardless if it's from almost 7 years ago.

I'm tempted to close my Wells Fargo because it's been almost 2 years and it's STILL secured. I've put $1,200 into that stupid card and still nothing. I'm starting to lose faith in Wells Fargo. Well, I started losing it a while ago.

Re: Another Discover IT Approval!!

Anonymous — Wed, 05 Sep 2018 06:28:40 GMT

Congrats on the approval!

Re: Another Discover IT Approval!!

Anonymous — Wed, 05 Sep 2018 06:56:13 GMT

Congrats on your Disco IT approval!

Re: Another Discover IT Approval!!

FireMedic1 — Wed, 05 Sep 2018 12:18:27 GMT

Congrats!!!!!! Welcome to the Disco Family! Trust me it will grow. Started lower than you at 1200 on my 1st card. Ended at 7800 year and a half later. Use it up! $650+ cash back match first year.

Re: Another Discover IT Approval!!

Queen_Etherea — Wed, 05 Sep 2018 16:30:51 GMT

Ok guys they pulled my Equifax report!! Literally my worst one...

I called yesterday to find out because it hasn’t shown up on any reports until this morning. However, the guy was like yeah I’ll transfer you to the right person and they can possibly help you get a bigger credit limit. Then he transfers me to the main menu. I was so pissed I didn’t even bother calling back. That’s the second time they’ve done that to me. Not a great start to this relationship lol.