topic Re: Discover 2nd (second) card app thread in Credit Card Applications

Discover 2nd (second) card app thread

AverageJoesCredit — Fri, 08 Jun 2018 02:35:54 GMT

Hey guys, im not sure if this thread will stick but i figured id give it a try to create a thread only related for those looking to app a second Discover card, most likely the It card but since their selection isnt that big other cards could be included.

Though their is another Discover unofficial data point thread, i want this one to be more focused for those considering apping a second Discover card so they can see data points from those of us who have experiencd this. Please include , if you remember, your Fico score when applied, and any pertinent info like previous credit limit, any promos offered with app like 0% apr, bt offers etc.

If this doesnt last or gets merged i understand but hopwfully the few of us who have closed our first Discover cards and reapped can shed light to those thinking of doing so Thanks everyone, ill begin......

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Mon, 26 Mar 2018 16:33:34 GMT

1st Discover It card opened :

0ct 2016 HP TU Fico 695 sl $2500 0% APR 12 months Double Cashback promo
* 3 separate $500 sp cli increases

1st Discover It closed :

Nov 2017 TU Fico 738 final CL $4000

2nd Discover It opened:

Feb 2018 HP EX Fico 750 sl $5000 0% APR 6 months 18 month BT offer *Double cashback promo offered again*

Re: Discover 2nd ( second) card app thread

Anonymous — Mon, 26 Mar 2018 00:25:08 GMT

Why close the first one? You can hold two It cards at the same time.

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Mon, 26 Mar 2018 16:31:38 GMT

Yes you can, in my case i closed my first due to feeling like it wasnt heading anywhere. If you have 2 cards open or closed you can post details here. Many have been where i was , in Disco limbo lol and this just goes to show, getting a second one may actually be better for someone. Recent post have shown this.

Another thing interesting, and why i wanted to start this thread is too see how many of us are being offered cashback match again. Per their website, the dcb is offered at their descretion so its interesting to see if everyone gets offered this after a year of already having received it or not.

Re: Discover 2nd ( second) card app thread

Anonymous — Mon, 26 Mar 2018 12:15:54 GMT

1st Discover IT:

March 22, 2017 - $2500 SL, 14-month 0% APR promo with cashback match, accepted pre-qualification online, TU score somewhere around 630; auto-CLI'ed to $3000 in June 2017, "luv button" $300 CLI's in June and September 2017, auto-CLI'ed to $4500 in December 2017.

2nd Discover IT:

March 12, 2018 - $5000 SL, 14-month 0% APR promo with cashback match, accepted pre-qualification online, TU score around 670 (was in flux because of heavy payoff/paydown activity on my CC portfolio). I'm planning to make more effective use of the quarterly 5% cash back offers this time, starting with putting as much grocery spending as possible on this card during April-June.

The older card is open at this time, but I plan to combine it into the newer card next March. (In fact, combining the cards to get a better CL was a major reason for me getting the new card.)

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Mon, 26 Mar 2018 12:09:46 GMT

Thanks joe8185, this is what i meant. Please check your 1st Disco opening date. Did you mean Mar16?

Re: Discover 2nd ( second) card app thread

Anonymous — Mon, 26 Mar 2018 12:17:09 GMT

Oops. I meant March 12, 2018 for the 2nd card. I'll fix that. Also, technically I opened the 2nd card with still about 10 days to go to a full year, but I think Discover counts from the first day of the month in which you got a card rather than the actual date of approval.

Re: Discover 2nd ( second) card app thread

Adkins — Mon, 26 Mar 2018 16:18:17 GMT

@AverageJoesCreditwrote:
Yes you can, in my case i closed my first due to eeling like it wasnt heading anywhere. If you have 2 cards open or closed you can post details here. Many have been where i was , in Disco limbo lol and this just goes to show, getting a second one may actually be better for someone. Recent post have shown this.

Another thing interesting, and why i wanted to start this thread is too see how many of us are being offered cashback match again. Per their website, the dcb is offered at their descretion so its interesting to see if everyone gets offered this after a year of already having received it or not.

This is exactly why I'll apply for a second one when it's time and probably end up closing my first one (if I don't get a decent CLI!)

Re: Discover 2nd ( second) card app thread

Anonymous — Mon, 26 Mar 2018 20:24:28 GMT

I may just app for another discover down the road not sure yet though thread is a good idea. AJC, Thanks!

Update!

Clicked on check for pre-approved offers on discover site got 3 offers all 14 Months Intro free 0% zero percent APR... card has cash match

so I went ahead and clicked apply entered in my info and had to upload docs np I uploaded. Then a screen came up call today get a decision now so I did put on hold for 3 minutes came back with congrats your approved for 1k I post data points this is my 2nd IT Card.

FICO8 740 EXP, 752 FICO 8 TU 5 YRS OLDEST ACCOUNT 1% UTIL 32 ACCOUNTS TOTAL INCLUDING CLOSED ALSO HAVE PAYPAL 3.3k.

I asked rep why such a low limit she said call back in June maybe they can increase thought well ok cash match isn't so bad plus intro was nice I'll take it.

Discover IT 1st Card open 3yrs 10mo's Limit 2k Score 720-740 FICO 8 TU at time of app current CL 6.6k as of now.

Income 28k Assests 5k on app

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Mon, 26 Mar 2018 19:53:55 GMT

Congrats CapCredit72 if you can please add info on your 1st It like when opened, current limit , etc so that when people check here they can see the difference between the 2 cards. Thanks great job again buddy

Re: Discover 2nd ( second) card app thread

Anonymous — Mon, 26 Mar 2018 20:23:02 GMT

@AverageJoesCreditwrote:
Congrats CapCredit72 if you can please add info on your 1st It like when opened, current limit , etc so that when people check here they can see the difference between the 2 cards. Thanks great job again buddy

Almost forgot to add that thanks! AJC yeah I'd probably have to sink my score to get a better CL which I'm not going to do.

Re: Discover 2nd ( second) card app thread

LCC_mk14 — Mon, 26 Mar 2018 20:26:06 GMT

1st Discover It - opened Dec. 15, 2013 as a student card with 500 SL. 24% APR WOTH 12 month 0% APR promo. Cash back match was not a thing then I don’t think. Either way, I was not given that. Pulled TU with a 712 at the time, but limited history.

2nd card - February 2018. I applied because I have never received an increase on my 1st card. I was approved using the tool for Discover IT and IT chrome. Approved for 3500 starting limit, 24% APR, 0% 12 month promo, and cashback match. Pulled EQ with a 685 I believe.

Re: Discover 2nd ( second) card app thread

Anonymous — Tue, 27 Mar 2018 21:06:05 GMT

2nd card will be here next week just got off the phone.

Re: Discover 2nd ( second) card app thread

joltdude — Wed, 28 Mar 2018 00:06:28 GMT

Im actually tempted to two-time Miss Disco later this year.. Sort of want to abuse a Miles card for the double cashback =)

Think it might prove interesting esp for datapoints.... Though i think if im approved its going to be a low CL since I have such a high CL on the IT...

-J

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Wed, 28 Mar 2018 01:17:28 GMT

Look forward to it Jolt, dont be shocked when they give you 3x Joltdude Special

Re: Discover 2nd ( second) card app thread

Anonymous — Wed, 28 Mar 2018 01:32:32 GMT

Oh wow, my memory doesn't go back that long. I've entered what I *do* remember.

1st Discover Card was a "More" card back in 2010. I remember it well because they had called me while I was waiting in my car for something. (Looking back I don't know what I was thinking giving my info on an outbound call...) I was approved for $1500 and I was stuck there until 2016. I also didn't know anything about CLIs so I figured it was on the creditor to raise your limit if they so chose to do so. I started getting CLIs and now it's at 11K. No ideas what my scores were. This was at the beginning of my journey where I didn't check that.

2nd Discover Card IT

10/2017. Was prequalified. However, I used an Amazon promo to get a $75 statement credit with my first Amazon purchase on it. Had to upload my DL and a utility bill and was approved via chat for 5.5K. This was a SP. It's now at 6.5K. Currently enjoying double cash back in my first year. I'm hopeful I can get this combined into my first Discover card as I have no use for two. Scores around 720 at the time.

Re: Discover 2nd ( second) card app thread

Viva-LV — Wed, 28 Mar 2018 03:23:56 GMT

1/2015: Disco It - 6.5k sl @ 765, now 12.5k

6/2016 It Miles - 6k sl @ 758, now 7k

Re: Discover 2nd ( second) card app thread

Anonymous — Sat, 31 Mar 2018 18:02:49 GMT

3/2018 Discover IT 2nd Card SL 1k @ 748 EQ Update! with 1st Card when I look up that info soon AJC.

Re: Discover 2nd ( second) card app thread

AverageJoesCredit — Sun, 01 Apr 2018 00:10:01 GMT

Thanks Kingy, and congrats on second card. Never know could become a monster

Re: Discover 2nd ( second) card app thread

Anonymous — Sun, 01 Apr 2018 00:58:35 GMT

@AverageJoesCreditwrote:
Thanks Kingy, and congrats on second card. Never know could become a monster

Sir, Anything is possible.