topic Re: Discover MORE Approved after Verification :) in Credit Cards

Discover MORE Approved after Verification :)

Anonymous — Sun, 04 Sep 2011 22:35:33 GMT

Just applied online for the DISCOVER More card, and was instantly approved with a screen that said they needed additional information and to call a 800 number. After calling, they just verbally verified my income stated, and other identifying questions, and then congratulated me with an initial credit limit of $3000. He asked if this limit would suffice and I said yes, and he said I would be eligle to increase that after 6 Months.

This pretty much round out what I need, and I'm going to now let my cards age for the next year or so.

Currently puts me my wallet at ( in order from oldest to most recent) :

- Capital One $1500 Limit ( 2006)

- Sears Mastercard $1500 Limit (2007)

- PayPal Extras $3500 Limit (2007)

- Local CU - $2000 Limit (2010)

- AMEX Zync - NPSL Charge Card (2011)

- Citi Aadvantage Select AMEX - $5,000 Limit (2011) (Received 30,000 Bonus Miles w/ Approval)

- Discover MORE - $3,000 Limit ( Just now, 2011)

Current score are right in the 690's if anyone was wondering.

I think I have a good mix of rewards, so I don't see a need for any more apps in the next 1-2 years, hopefully these cards can grow with me in terms of limit increases...

I think the only card that I've wanted but have been declined in the past 3 months for, is the Blue Cashback Preferred from AMEX....I guess I'll just need to work on my scores for that one, otherwise I'm pretty happy.

Re: Discover MORE Approved after Verification :)

-Cain- — Sun, 04 Sep 2011 22:40:11 GMT

Congrats on your new Discover card!

Re: Discover MORE Approved after Verification :)

Anonymous — Sun, 04 Sep 2011 22:41:07 GMT

Congrats! Nice starting CL. Seems like there's been a recent spate of Discover approvals on this site!

Re: Discover MORE Approved after Verification :)

Anonymous — Sun, 04 Sep 2011 22:42:02 GMT

Congratulations!!

Re: Discover MORE Approved after Verification :)

-Cain- — Sun, 04 Sep 2011 22:43:20 GMT

I've noticed that too, tinuviel. Good for Discover and good for those of us seeking to join Discover.

Re: Discover MORE Approved after Verification :)

Anonymous — Sun, 04 Sep 2011 23:09:14 GMT

Hi austin21 I would like to know why you have not ask for a credit limit increase in your sears card? I open my sears mastercard en Feb. and they gave me 1500 and I just call few minutes ago and ask for 5000 and BAM yes your request has been approved,

Re: Discover MORE Approved after Verification :)

Anonymous — Sun, 04 Sep 2011 23:26:36 GMT

Hey Julio87

Well, when I first got that Sears Card the limit was $5,000 back in 2007....then they cut it down to $1500 during the whole 2008 economy issues...so when that happened I called them up to ask why and they said it was because I had a small balance on there and I wasn't using it...I asked if I could put it back up to 5k and they said a request could be put in, but they'd have to do a hard inq. and I would get a call back stating the status...I decided it wasn't worth it since I wasn't using the card, so I've had it at $1500 since around 2008, and only use it for larger purchases such as new tires, or a TV every now and then just to get the 0% financing...I guess it wouldn't hurt to give them a call now that I think about it though.

When you called for your increase did they do a hard inq?

Thanks Julio!

Re: Discover MORE Approved after Verification :)

Anonymous — Mon, 05 Sep 2011 03:28:43 GMT

Well I call and ask them if it was going to be a hard inq. and they told me yes but that has been more than a month and no hard inq. is in my credit report and then I saw that they did a soft inq so if I was you I would ask for it again for the 5000 credit line OK