topic Re: Apply for Discover It in Credit Cards

Apply for Discover It

Anonymous — Tue, 19 Aug 2014 01:21:19 GMT

Coming up on my 61 day CLI for Amex. I have 3 HPs on my Experian credit report. Have 9 credit cards that will soon be 8 once I close a BofA with an AF($1000 limit). Would apping for Discover It be a bad thing, or should I wait until end of year or early next year?

Re: Apply for Discover It

DFStudent — Tue, 19 Aug 2014 03:01:24 GMT

@Anonymous wrote:
Coming up on my 61 day CLI for Amex. I have 3 HPs on my Experian credit report. Have 9 credit cards that will soon be 8 once I close a BofA with an AF($1000 limit). Would apping for Discover It be a bad thing, or should I wait until end of year or early next year?

What do your scores look like?

Re: Apply for Discover It

Anonymous — Tue, 19 Aug 2014 03:04:21 GMT

@DFStudent wrote:

@Anonymous wrote:
Coming up on my 61 day CLI for Amex. I have 3 HPs on my Experian credit report. Have 9 credit cards that will soon be 8 once I close a BofA with an AF($1000 limit). Would apping for Discover It be a bad thing, or should I wait until end of year or early next year?
What do your scores look like?

EX 08 800

TU 08 795

EQ???

Re: Apply for Discover It

taxi818 — Tue, 19 Aug 2014 03:44:28 GMT

IMO. No point to wait. I just received card today. Just like you.

I got. 9 cards. Now 10 with discover. Your scores much higher than mine. I would do it same day I got my amex increase.

Re: Apply for Discover It

Anonymous — Tue, 19 Aug 2014 04:51:53 GMT

I would just wait until you make your Amex CL request, then apply for Discover (because the sweetest deal with Discover is the 4th quarter, you don't want to wait until January).

Re: Apply for Discover It

TheFate — Tue, 19 Aug 2014 04:56:54 GMT

@Anonymous wrote:

I would just wait until you make your Amex CL request, then apply for Discover (because the sweetest deal with Discover is the 4th quarter, you don't want to wait until January).

Are you reffering to the catagories?

Re: Apply for Discover It

lg8302ch — Tue, 19 Aug 2014 06:01:36 GMT

@Anonymous wrote:

I would just wait until you make your Amex CL request, then apply for Discover (because the sweetest deal with Discover is the 4th quarter, you don't want to wait until January).

that would also be my plan if not a bunch of new accounts in the past 6 months - Good luck with Amex and Discover

Re: Apply for Discover It

bigblue7722 — Tue, 19 Aug 2014 11:24:57 GMT

I would 100% wait to apply for discover it. Reason being in nov/dec they have a great sign up bonus.

Re: Apply for Discover It

Closingracer99 — Tue, 19 Aug 2014 11:27:11 GMT

@Anonymous wrote:

I would just wait until you make your Amex CL request, then apply for Discover (because the sweetest deal with Discover is the 4th quarter, you don't want to wait until January).

Why Amex's CLI requests are Soft pulls so Amex will just use the last Soft pull they did which they do regularly.

Re: Apply for Discover It

taxi818 — Tue, 19 Aug 2014 11:32:06 GMT

I would just do it now in that case.

Re: Apply for Discover It

Anonymous — Sun, 24 Aug 2014 19:55:50 GMT

Ugh! I just checked my Experian, and I'm showing utilization on 3 cards plus my loan. Total util is 6%. All of the amounts shown are incorrect because the CCs haven't updated payments yet. One of the 3 cards showing a balance was paid off 2 weeks ago, and I will PIF Amex on Thursday (although the statement already cut, but I'm under 10 percent on that card). If I pay in full on Thursday and go for my CLI on Friday, will I be okay?

Re: Apply for Discover It

taxi818 — Sun, 24 Aug 2014 21:06:30 GMT

But discover mostly pull Equifax. I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal.

Re: Apply for Discover It

Closingracer99 — Sun, 24 Aug 2014 21:15:16 GMT

@taxi818 wrote:
But discover mostly pull Equifax. I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal.

Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app

Re: Apply for Discover It

Skye12329 — Sun, 24 Aug 2014 21:22:32 GMT

They pulled EQ for me and i had about 60% util and was instant approved. They actually gave me my highest limit (4k) too, CSP just beat them though.

Re: Apply for Discover It

Anonymous — Sun, 24 Aug 2014 21:52:06 GMT

@taxi818 wrote:
But discover mostly pull Equifax. I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal.

Sorry Taxi,

I should have been clear. I meant would I be okay for my Amex 3X CLI owing on 3 cards and my loan. I changed my mind on Discover (I think) because I already have an inquiry on EQ from Citi....I had no idea they pulled EQ and EX. I keep flip flopping on Discover from one week to the next, lol. So between EQ and EX, I have 4 inqs total. Don't want to chance another score drop right now. Who knows, I may change my mind again after the outcome from Amex this week.

Re: Apply for Discover It

Anonymous — Sun, 24 Aug 2014 21:55:09 GMT

@Closingracer99 wrote:
@taxi818 wrote:
But discover mostly pull Equifax. I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal.
Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app

I've read they pull EQ and Trans. These double and triple bureau pulling cards are killing me....

Re: Apply for Discover It

Closingracer99 — Sun, 24 Aug 2014 22:50:46 GMT

@Anonymous wrote:
@Closingracer99 wrote:
@taxi818 wrote:
But discover mostly pull Equifax. I would not worry of your util. I had balance on 4 accounts. Util at 17 percent. Still got approved. No big deal.
Mostly? They don't mostly pull EQ. It depends on where you are which ones they pull. They pull TU for my it and then EX and TU for my Chrome app
I've read they pull EQ and Trans. These double and triple bureau pulling cards are killing me....

Discover never pulled my EQ... Better yet other then Citi nobody has really pulled my EQ

Re: Apply for Discover It

taxi818 — Mon, 25 Aug 2014 00:38:52 GMT

Then wherever you are located. i guess they don't like your eq :}

but for the rest of us. in the country. eq is getting pulled a lot. but i must say. i have more pulls on transunion. florida.

Re: Apply for Discover It

Closingracer99 — Mon, 25 Aug 2014 01:04:03 GMT

@taxi818 wrote:
Then wherever you are located. i guess they don't like your eq :}
but for the rest of us. in the country. eq is getting pulled a lot. but i must say. i have more pulls on transunion. florida.

But who is the rest of us? It is more geological area that they decide I would assume and not because they don't like my EQ or etc. I am in the North East and Discover has never pulled my EQ

Re: Apply for Discover It

taxi818 — Mon, 25 Aug 2014 01:08:33 GMT

Hehehe. Joke dude. I understand. Regional for sure.