topic Discover More Approval in Credit Cards

Discover More Approval

Anonymous — Mon, 05 Apr 2010 15:45:23 GMT

Well after spending quite a while working on rebuilding my credit with crappy rebuilder cards I was able to get approved for some legitimate cards from Citi and Capital one last year. I had been doing pretty well at not applying for any new credit for the past few months since my app spree last summer.

However I got a pre-approval offer from Discover this past week and was tempted to give it a try even though I didn't think my credit would qualify, so I applied and sure enough I was approved for a Discover More card with a $1,000.00 limit!!!! Not that big of a limit but it makes me happy to just be approved by Discover. This worked out pretty well because my horrible HSBC Discover card (Which has been stuck at a $300 credit limit for the past 3 years) was charged its annual fee this past Friday so I was able to call in and cancel that this morning and get rid of it finally!

Does anyone have experience with this card? How good is Discover with CLIs? Are the rewards of the cash back that they promote really as good as they make it sound? Any comments would be great!

Thanks!

Re: Discover More Approval

laz98 — Mon, 05 Apr 2010 16:27:24 GMT

it's supposed to be a great card! congratulations!

Re: Discover More Approval

Anonymous — Mon, 05 Apr 2010 21:46:47 GMT

@Anonymous wrote:
Well after spending quite a while working on rebuilding my credit with crappy rebuilder cards I was able to get approved for some legitimate cards from Citi and Capital one last year. I had been doing pretty well at not applying for any new credit for the past few months since my app spree last summer.

However I got a pre-approval offer from Discover this past week and was tempted to give it a try even though I didn't think my credit would qualify, so I applied and sure enough I was approved for a Discover More card with a $1,000.00 limit!!!! Not that big of a limit but it makes me happy to just be approved by Discover. This worked out pretty well because my horrible HSBC Discover card (Which has been stuck at a $300 credit limit for the past 3 years) was charged its annual fee this past Friday so I was able to call in and cancel that this morning and get rid of it finally!

Does anyone have experience with this card? How good is Discover with CLIs? Are the rewards of the cash back that they promote really as good as they make it sound? Any comments would be great!

Thanks!

Congratulations ArchEagleJ on your new Discover More!!

I go this one a year a go with 2K CL, and they gave me $500 auto CLI three months later. Currently still 2.5K and I tried soft-pull. But I did not get CLI.

Upon receiving of a card, don't forget to sign-up for 5% Bonus at their web site!! If not you can't earn 5% Bonus on your purchases. You need to sign-up every three month, for this promo. Also they will notify you special promo category other than regular categories. Don't miss your opportunities to earn more bonus pts.

Choose your card wisely to maximize your earning pts before you swipe it.

Again, Congratulations !!

Re: Discover More Approval

Anonymous — Mon, 05 Apr 2010 21:55:11 GMT

Congrats on the discover. You should have just left the HSBC open since you paid the annual fee for it.

Re: Discover More Approval

Anonymous — Mon, 05 Apr 2010 21:58:39 GMT

Pumbaablah,

I actually didn't pay the fee, once I saw that it had been assessed on my account I called to close the card and they refunded the fee, thankfully! They did offer to waive the fee this year and said that with the economy getting better they were working on allowing higher credit limits but I just didn't want to deal with having to keep up with it and then remembering to cancel it next year so I just went ahead and got rid of it.

Thanks for the replies so far!

Re: Discover More Approval

Anonymous — Mon, 05 Apr 2010 22:04:12 GMT

@Anonymous wrote:
Pumbaablah,

I actually didn't pay the fee, once I saw that it had been assessed on my account I called to close the card and they refunded the fee, thankfully! They did offer to waive the fee this year and said that with the economy getting better they were working on allowing higher credit limits but I just didn't want to deal with having to keep up with it and then remembering to cancel it next year so I just went ahead and got rid of it.

Thanks for the replies so far!

How nice! How did you approached and what did you say?

I did try it with Citi and ended-up disaster .... Lol

Re: Discover More Approval

Breakthecycle2 — Mon, 05 Apr 2010 23:01:31 GMT

WHat Citi card did you apply and get? What were your scores?

Re: Discover More Approval

Anonymous — Mon, 05 Apr 2010 23:18:56 GMT

@Breakthecycle2 wrote:
WHat Citi card did you apply and get? What were your scores?

It was Citi Driver's Edge and score was about 730. I got this in February and Discover More in March ... following month. I should have done it same day or same week ... to save my score ...

Re: Discover More Approval

Breakthecycle2 — Mon, 05 Apr 2010 23:23:05 GMT

I meant the OP, but thanks for your information!

Re: Discover More Approval

Anonymous — Tue, 06 Apr 2010 06:40:30 GMT

@Breakthecycle2 wrote:
I meant the OP, but thanks for your information!

Sorry ...

Re: Discover More Approval

Anonymous — Tue, 06 Apr 2010 01:48:22 GMT

Breakthecycle2,

I applied for the Citi Platinum Select and was approved for a $4,000 CL, that was last summer and I think my scores at that point where in the mid 600's around 660s I believe. My scores dropped a little because of an app and new account spree and a temporary high util, but they are on their way back up now.