topic Finally riding the Disco train!... WOW! in Credit Card Approvals

Finally riding the Disco train!... WOW!

sid33 — Wed, 10 Apr 2019 22:42:48 GMT

I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K." I about fell out of my chair. I figured maybe a sl of $2k, but $12K! WOW!

EXP 8 - 679

Income -122K

UTI - 30%

DTI - 38%(with new mortgage)

Inq - 3 in the last 6 months

A couple old baddies on my Exp report.

Highest non-cu account - Amex $2k, and CareCredit $12K

Re: Finally riding the Disco train!... WOW!

KingPredator — Wed, 10 Apr 2019 22:48:01 GMT

Congrats on the new card. I love mine.

Re: Finally riding the Disco train!... WOW!

pinkandgrey — Wed, 10 Apr 2019 22:55:09 GMT

Wow! 12k! Congrats! You’ll be glad you got it and it will grow

Re: Finally riding the Disco train!... WOW!

Anonymous — Wed, 10 Apr 2019 23:05:06 GMT

12k is an awesome SL from the Disco machine. Congratulations on joining the club!!

Love it and it will love you! Cheers!

Re: Finally riding the Disco train!... WOW!

Anonymous — Wed, 10 Apr 2019 23:22:14 GMT

Congrats on your approval and massive Sl !!!!

Re: Finally riding the Disco train!... WOW!

SouthJamaica — Wed, 10 Apr 2019 23:28:27 GMT

@sid33 wrote:
I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K." I about fell out of my chair. I figured maybe a sl of $2k, but $12K! WOW!

EXP 8 - 679
Income -122K
UTI - 30%
DTI - 38%(with new mortgage)
Inq - 3 in the last 6 months
A couple old baddies on my Exp report.
Highest non-cu account - Amex $2k, and CareCredit $12K

Wow my Discover account is 4 years old and I'm at $9800.

Re: Finally riding the Disco train!... WOW!

CreditInspired — Thu, 11 Apr 2019 12:35:42 GMT

@sid33 wrote:
I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K." I about fell out of my chair. I figured maybe a sl of $2k, but $12K! WOW!

EXP 8 - 679
Income -122K
UTI - 30%
DTI - 38%(with new mortgage)
Inq - 3 in the last 6 months
A couple old baddies on my Exp report.
Highest non-cu account - Amex $2k, and CareCredit $12K

That is a huge SL. Congratulations on approval and your new home.

Re: Finally riding the Disco train!... WOW!

Anonymous — Thu, 11 Apr 2019 12:38:27 GMT

Awesome SL, congrats.

Re: Finally riding the Disco train!... WOW!

Anonymous — Thu, 11 Apr 2019 13:17:12 GMT

Congrats on joining the Disco club! And man what a great SL with them!! Enjoy your card and the rewards that come along with it!

Re: Finally riding the Disco train!... WOW!

xaximus — Thu, 11 Apr 2019 18:26:07 GMT

Congrats on the approval! Disco is known for being thin file friendly and likes to be a daily driver (not all the time but often).

Re: Finally riding the Disco train!... WOW!

Anonymous — Thu, 11 Apr 2019 20:15:00 GMT

Boom. Nice SL, too! RIDE that train!

Re: Finally riding the Disco train!... WOW!

Anonymous — Thu, 11 Apr 2019 20:20:25 GMT

Congrats on the approval. Sweet service limit.

Re: Finally riding the Disco train!... WOW!

Anonymous — Thu, 11 Apr 2019 20:43:35 GMT

I here you my highest LIMIT card was only 600 and Discover hit me with a 4500 SL today I about called and asked if it was real lol but congratulations that's a beautiful limit.

Re: Finally riding the Disco train!... WOW!

sid33 — Thu, 11 Apr 2019 22:38:23 GMT

I think this card will be my new daily driver. Have to give Navy a break for a while.

Re: Finally riding the Disco train!... WOW!

Marz2002 — Fri, 12 Apr 2019 00:17:06 GMT

YOU...

CONGRATS on the Approval, the AWESOME SL, and Welcome to the Disco family!!!

Re: Finally riding the Disco train!... WOW!

mikesonthemend — Fri, 12 Apr 2019 00:20:07 GMT

Bam!

Congrats on the house, also!