topic Re: discover it odds in Credit Cards

discover it odds

juniornj23 — Wed, 30 Jul 2014 03:37:02 GMT

i did the pre approve link and they have a offer for me my question is should i wait until i pay off all my account to apply for it i dont want to get a HP for nothing

at this point im using 67% of UT and not baddly on my TU

Re: discover it odds

GlocksAndCredit — Wed, 30 Jul 2014 03:55:52 GMT

@juniornj23 wrote:
i did the pre approve link and they have a offer for me my question is should i wait until i pay off all my account to apply for it i dont want to get a HP for nothing
at this point im using 67% of UT and not baddly on my TU

67% UTIL? If they do approve you, it would be a low CL IMO - but YMMV. I would get my UTIL to <15% if possible. What's your AAOA; and what current cards do you have? What are your scores looking like?

Also - Discover's Pre approval "recommends" the Discover IT for everyone.

Re: discover it odds

mongstradamus — Wed, 30 Jul 2014 03:58:18 GMT

If you are borderline with discover I wouldn't app. You will probably get low credit limit and won't be able to get sp CLI for almost a year, as usual ymmv

Re: discover it odds

juniornj23 — Wed, 30 Jul 2014 04:02:24 GMT

WELL on my TU is 650 no baddly

best buy 300

credit one bank 1050

credit one bank 500

capital one quicksilve 500

capital one jourly 300

fiest premier banck 700

AAoA IS 3 YEARS 3 moths my last app was 1 moths ago , i really want to get primer card so i can closes the one with higth AF

any advices will be greatful i think i should way until i pay off my UT

Re: discover it odds

juniornj23 — Wed, 30 Jul 2014 04:04:18 GMT

I rather to wait for 5 or 6 more moths i dont want low limit my next card i want to be at leas 1,000 so i can closes 3 or 4 sub-primer card

Re: discover it odds

bigblue7722 — Wed, 30 Jul 2014 11:13:41 GMT

Yeah I would wait a while and get your util down. And at the time of your app if your still unsure I would apply for the chase freedom instead. Reason being u can recon with chase and u can't with discover. Discover may offer a secured card or a joint application...

Re: discover it odds

MT936 — Wed, 30 Jul 2014 15:12:36 GMT

get your utilization under 10% before applying

Re: discover it odds

juniornj23 — Wed, 30 Jul 2014 15:30:47 GMT

I want to app only to card that use TU CRA since is the one that is 100% clean

Re: discover it odds

mongstradamus — Wed, 30 Jul 2014 15:32:00 GMT

@juniornj23 wrote:
I want to app only to card that use TU CRA since is the one that is 100% clean

For me discover was an eq puller not TU, YMMV

Re: discover it odds

Scupra — Wed, 30 Jul 2014 16:35:19 GMT

Discover wanted to pull my EQ report, it was frozen and they would not pull TU when I asked them to. YMMV and good luck