topic Re: Discover More...Approval!!! in Credit Cards

Discover More...Approval!!!

ccb2115 — Thu, 12 Jan 2012 18:03:11 GMT

Last night I decided that I wanted to apply for another CC but I knew my options were limited. I am still in my rebuilding phase and currently only have a Capital One Secured Card with a 500 CL. I knew my EQ and TU scores were my highest, and I only have 1 INQ on each, while I have so many on EX from Amex since I've applied for the Zync so many times only to just get denied.

I know that the Discover More usually pulls EQ or TU, so I decided to just go for it!! After my last Amex denial I had my Uncle add me as an AU on his AMEX (member since 99) with perfect payment history which gave me a little boost. Even so, I don't think I took one breath while filling out the application, but after 60 seconds or so, I got an Instant Approval....

Congratulations! You've been approved.

Welcome to Discover!
You'll receive your new card in the mail within 7 - 10 days at the address provided on your application. Make your Discover card work harder for you by registering your account online. It only takes a few moments, and will allow you to sign up for Paperless Statements, receive e-mail and mobile reminders, make payments online and much more.

I'm so excited!! I owe my thanks to the community here because I've went from scores in the mid to upper 500s to the upper 600s in around 7 months. THANK YOU!!

btw, Does anyone know when I will find out what my CL is?

Re: Discover More...Approval!!!

mAndrew1980 — Thu, 12 Jan 2012 18:10:33 GMT

Awesome work!!! Congrats! That will go a long way to help boost your credit. They have really nice rewards. Not sure about the CL but congrats again.

Re: Discover More...Approval!!!

luvsandyshores — Thu, 12 Jan 2012 18:12:12 GMT

Congrats! I love my Discover More! They were the first real card to approve me!

Re: Discover More...Approval!!!

ccb2115 — Thu, 12 Jan 2012 18:14:48 GMT

Yeah this is the first real card to approve me too!! I finally feel like I'm leaving that low limit/secured card stage.

Re: Discover More...Approval!!!

CS800 — Thu, 12 Jan 2012 18:41:35 GMT

@ccb2115 wrote:
Last night I decided that I wanted to apply for another CC but I knew my options were limited. I am still in my rebuilding phase and currently only have a Capital One Secured Card with a 500 CL. I knew my EQ and TU scores were my highest, and I only have 1 INQ on each, while I have so many on EX from Amex since I've applied for the Zync so many times only to just get denied.

I know that the Discover More usually pulls EQ or TU, so I decided to just go for it!! After my last Amex denial I had my Uncle add me as an AU on his AMEX (member since 99) with perfect payment history which gave me a little boost. Even so, I don't think I took one breath while filling out the application, but after 60 seconds or so, I got an Instant Approval....

Congratulations! You've been approved.
Welcome to Discover!
You'll receive your new card in the mail within 7 - 10 days at the address provided on your application. Make your Discover card work harder for you by registering your account online. It only takes a few moments, and will allow you to sign up for Paperless Statements, receive e-mail and mobile reminders, make payments online and much more.

I'm so excited!! I owe my thanks to the community here because I've went from scores in the mid to upper 500s to the upper 600s in around 7 months. THANK YOU!!

btw, Does anyone know when I will find out what my CL is?

Congrats!!

Great card to have. DIscover More was the first prime i got some months ago. The only thing I don't like is my APR which is high right now.

Call the credit analyst line, they should be able to tell you you CL

Re: Discover More...Approval!!!

Anonymous — Thu, 12 Jan 2012 18:44:54 GMT

Congratulations to you that's wonderful!

Re: Discover More...Approval!!!

Anonymous — Thu, 12 Jan 2012 19:02:09 GMT

Call 'em up and they'll tell you what your CL and APR are. Discover's customer service has been really nice to me, the few times I've spoken to them.

Re: Discover More...Approval!!!

Anonymous — Thu, 12 Jan 2012 19:26:18 GMT

Ok I am REALLY tempted to just apply for the Discover More now. I pulled my TU yesterday and it is still 768 hasnt changed since last month. I know it has been updated since last month because my latest cap 1 balance is there. Only 16% util, not as low as I would like but I doubt any creditor would consider 16% util bad.

Only have 1 INQ on TU which is great if Discover pulls that. Only thing bugging me is I made a large payment towards my student loans over a month ago and it still hasnt reported. My CR now says I owe about 10,000 on an 11,000 student loan when in reality today I only owe 8,000. The only thing keeping me from applying today is I want my new balance to report.

OP what is your AAoA? Oldest account?

Re: Discover More...Approval!!!

ccb2115 — Thu, 12 Jan 2012 19:50:16 GMT

Ummm...I would definitely go for it. You have really good scores.

My scores are TU:666, and EQ: 698

I have a 30 day late showing up on TU, but I'm clear of any lates on my EQ except for a CO from a little over 3 years ago that show up on both reports.

MY TU is showing a 31% util because its incorporating the AMEX. With EQ, its only about 2%. I'm beginning to think that they pulled EQ for me. I don't know for sure though.

My AAoA is 6 years, and my oldest account was opened 12 years, 7 months ago.

Go for it if you want it!

Re: Discover More...Approval!!!

ccb2115 — Thu, 12 Jan 2012 20:04:41 GMT

I just called. She said that since I just applied, she wouldn't have that information, but she checked anyway and found out she was wrong. My CL is $3,000. Beats my current 500 CL Capital One card.

Re: Discover More...Approval!!!

Anonymous — Thu, 12 Jan 2012 20:23:55 GMT

my pull on discover was EQ in cali

Re: Discover More...Approval!!!

Juan123 — Thu, 12 Jan 2012 20:33:37 GMT

what CRA do they pull? (in nyc?)

edit: i just applied.. they pulled TU AND EQ.

Re: Discover More...Approval!!!

namvet — Thu, 12 Jan 2012 20:35:03 GMT

@Juan123 wrote:
what CRA do they pull? (in nyc?)

In NYC you will get a pull from Tu or EQ!

Re: Discover More...Approval!!!

Juan123 — Thu, 12 Jan 2012 20:38:41 GMT

@namvet wrote:
@Juan123 wrote:
what CRA do they pull? (in nyc?)

In NYC you will get a pull from Tu or EQ!

both got pulled >_<

Re: Discover More...Approval!!!

getahead — Thu, 12 Jan 2012 20:48:30 GMT

Hey Juan123, did you get an instant approval?

Re: Discover More...Approval!!!

Juan123 — Thu, 12 Jan 2012 20:52:31 GMT

more like an instant denial i tried to recon, was told no because of inquiries... sucks. oh well back to the dungeon AND garden i go.

Re: Discover More...Approval!!!

getahead — Thu, 12 Jan 2012 20:56:42 GMT

sorry to hear that, I guess I won't be applying anytime soon.

Re: Discover More...Approval!!!

RyVision — Thu, 12 Jan 2012 20:58:12 GMT

@Anonymous wrote:
Ok I am REALLY tempted to just apply for the Discover More now. I pulled my TU yesterday and it is still 768 hasnt changed since last month. I know it has been updated since last month because my latest cap 1 balance is there. Only 16% util, not as low as I would like but I doubt any creditor would consider 16% util bad.

Only have 1 INQ on TU which is great if Discover pulls that. Only thing bugging me is I made a large payment towards my student loans over a month ago and it still hasnt reported. My CR now says I owe about 10,000 on an 11,000 student loan when in reality today I only owe 8,000. The only thing keeping me from applying today is I want my new balance to report.

OP what is your AAoA? Oldest account?

If you have a decent AAoA as well, I'd think you'd get approved no problem. My AAoA was about 4.8 years when I applied with (gasp now!) near 80% util, 2 or 3 inq's on EQ (which they checked) 4 inq on TU (which they checked in April), oldest account on record was 22 years, SPOTLESS report (just a disclaimer), approved for 6.5k, with 15 months 0%, their letter stated my EQ was 660.

Re: Discover More...Approval!!!

ArisGreek — Thu, 12 Jan 2012 21:01:15 GMT

I never got any alert on EQ so I'm guessing they pulled TU. That's fine with me since I have no iniquries on there except this.

Re: Discover More...Approval!!!

Anonymous — Thu, 12 Jan 2012 21:53:36 GMT

My AAoA is 3 years, oldest account opened 7 years ago but it was a credit card I never used so it was closed after 4 years with a 0 balance and 0 high balance. Only have been actually using a credit card for 6 months now, my current 500 CL Cap 1 Platinum so despite my scores I am still relatively a credit newbie.

Since Discover has been sending me those pre approval offers in the mail almost weekly for the last few months I'll just wait until I get the next one, then use the pre approval code in the mailing to apply.

I only have 1 INQ on TU, 2 on EQ, and 3 on EX so I don't need to worry about being denied due to too many inq's. lol