topic Re: Discover IT Miles Approval in Credit Card Approvals

Discover IT Miles Approval

Anonymous — Wed, 19 Aug 2020 15:33:13 GMT

First post here! First I want to say thanks to everyone who posts here!! Its super informative knowing what people can get approved for with different scores. I am definitely in my rebuilding stages. I wasn't fully taught about how to properly use credit cards and as a result I made a lot of dumb choices when I was young.. I finally got the hang of it but my scores took a hit.

So I have been checking the pre-approvals from Discover for about a year now.. and without failing.. I always get the "we could not match you with a card" message. Yesterday I decided to check, even though I said I was NOT going to open any more cards, and BAM pre approved for all of their cards.. I went with the miles because I didn't want to be checking for the 5% all the time.. and I hesitated getting another inquiry (I had 8 prior to applying -- I bought a car last August so I have 4 on just car loans).. I went for it with hopes that I could close out my Merrick Bank card (1,200 limit, anual fee charged every month, no CLI in the last 2 years) figured it the CL was at least 2k I would be golden.

I got approved for 10K!! By far the highes limit on any of my cards.

Here is where I was at:

8 inquiries

TU 654

EX 678

3 new accounts in the last year

~19% Ulitization

1 collections account for $150 -- which I plan on paying off

last 90-120 missed payment was a little more than 3 years ago

Definitely pulled Equifax.

If anyone has any other questions re my credit journey just LMK.

Re: Discover IT Miles Approval

blindambition — Wed, 19 Aug 2020 15:40:25 GMT

Welcome to the forums!! Congrats on your approval!!! 🥳

Re: Discover IT Miles Approval

Anonymous — Wed, 19 Aug 2020 15:45:57 GMT

Thanks!!

Re: Discover IT Miles Approval

Anonymous — Wed, 19 Aug 2020 15:46:36 GMT

Congratulations on that great Disco approval!

Re: Discover IT Miles Approval

gdale6 — Wed, 19 Aug 2020 16:28:30 GMT

A great SL out of Discover, congrats and welcome to the board

Re: Discover IT Miles Approval

CreditAggie — Wed, 19 Aug 2020 17:13:23 GMT

Congratulations on your Discover it Miles approval!

Re: Discover IT Miles Approval

TSlop — Wed, 19 Aug 2020 18:15:26 GMT

Congrats on your approval! It can be a tough choice to decide between the 2 and simplicity for yourself is an excellent factor to consider.

Re: Discover IT Miles Approval

cashorcharge — Wed, 19 Aug 2020 19:51:15 GMT

Nicely done! Congratulations!! That's a great SL!

Re: Discover IT Miles Approval

coreyb80 — Wed, 19 Aug 2020 21:00:58 GMT

Congrats on the approval!

Re: Discover IT Miles Approval

Slabenstein — Wed, 19 Aug 2020 21:10:19 GMT

Congrats from another new member. I went for the IT CB when I opened my Discover, but the way I've used it I would have come out ahead on rewards by a little bit if I'd gone w/ Miles.

Re: Discover IT Miles Approval

mrcraft — Thu, 20 Aug 2020 00:32:21 GMT

Congratulations on your approval!!

Re: Discover IT Miles Approval

KLEXH25 — Thu, 20 Aug 2020 01:21:22 GMT

Congrats on an awesome approval and welcome to the forums!

Re: Discover IT Miles Approval

Anonymous — Thu, 20 Aug 2020 04:11:45 GMT

@Anonymous wrote:
I got approved for 10K!! By far the highes limit on any of my cards.

Here is where I was at:
8 inquiries
TU 654
EX 678
3 new accounts in the last year
~19% Ulitization
1 collections account for $150 -- which I plan on paying off
last 90-120 missed payment was a little more than 3 years ago

Definitely pulled Equifax.

This is one of the most amazing approvals I've read, considering those data points and 10K SL! Fantastic!

Congratulations! (And nice going with the profile details!)

Re: Discover IT Miles Approval

Anonymous — Thu, 20 Aug 2020 04:32:20 GMT

Congratulations on the approval and good SL from Discover!

Re: Discover IT Miles Approval

Heatt99 — Thu, 20 Aug 2020 11:50:58 GMT

Congratulations. Great SL

Re: Discover IT Miles Approval

Anonymous — Thu, 20 Aug 2020 12:55:19 GMT

Congrats! I actually just checked the prequalification page because of your post and i too was prequalified! I really want a Chase sapphire card but i never get prequalified so I may consider the discover card intead. Thanks for your post!

Re: Discover IT Miles Approval

Anonymous — Thu, 20 Aug 2020 13:35:04 GMT

Yesss glad you were pre approved too!

I want a chase saphire too but I still have a ways to go.

Re: Discover IT Miles Approval

M_Smart007 — Tue, 25 Aug 2020 06:54:07 GMT

Congrats! ..

Re: Discover IT Miles Approval

AllZero — Tue, 25 Aug 2020 07:00:38 GMT

Congratulations on your approval!