SO... this past March I applied for Discover IT and was denied (not even offered secure version, but was offered a 'joint app').... I've read EVERY Discover thread in the last 1.5 years and haven't found one with the following: Shiny Green (Spruce) Envelope, 0% APR for 6mos, 23.24 APR thereafter, Cashback Match. *This is the first mailer I've received and the inviation is good until June 2017.
Others that I have read about were offered 0% APR for 12 months or more..., I know about the range (within 3 percent). I've seen a few get approved for this 23.24 APR (Yuck!), but I realize that won't matter if PIF. Honestly, it was the 0% for 6 mos. that's thrown me off... wondering if this is legit and possibly just going to be a Low SL... ??? I know Discover grows with good use... I'm just stumped on the 6 mo.. Of the one's that I've seen, they never came back to let us know if they were approved or the amount.
As of right now, my aggregate util is 1.06%, not sure if my scores are up to snuff... as they pull TU on mine. Though my scores have improved since the denial in March. (654 then, 670 now and may still be improving with recent paydown of all cards..BUT, I still have 2 collections and BKdischd 2010).
I plan to app for this with the invitation code tomorrow or the day after... I will let you all know the outcome, but if anyone else has recieved this offer/mailer could you chime in? Thanks for any data points in advance!! I know Discover is a strange beast and difficult to gauge... If it's a denial again, that would not surprise me one bit!! 
That's Awesome dh62!!! Thank you for your response... sounds very encouraging!! I'd be happy with 1k (to start also)! Nice to know APR can be reduced in time...
KUKU
Sounds like they're grudgingly willing to let you in with that promo. 0% for 6 months is better than 0% for no months. The 23.24% indicates you're profile still needs some work to bring down the APR though. For an APP though they will pull either EQ/EX and for CLI's after it's open they use TU. Either way you'll probably get approved with scores north of 650 and then it's off to the races with patience to make it grow. Check the link in my signature RE
isco.
Thank You Justagirl!! We gotta start somewhere
@austinguy907 wrote:KUKU
Sounds like they're grudgingly willing to let you in with that promo. 0% for 6 months is better than 0% for no months. The 23.24% indicates you're profile still needs some work to bring down the APR though. For an APP though they will pull either EQ/EX and for CLI's after it's open they use TU. Either way you'll probably get approved with scores north of 650 and then it's off to the races with patience to make it grow. Check the link in my signature RE
Austinguy~ You've got that right!!! Hahahaha!!!! Also, Thank You for all your research and information on the forums... I've read all your links and comments on others' posts. You've been a huge help to many people here at MF, including me (and I don't even have it YET!) I'll be back to update 
I applied this month via the website and received a $5500 cl with a 0% untill 2/2018.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Hi kuku4koco, love your moniker by the way, my one piece of Discover advice :
NEVER say sorry about posting another Disco thread!!
Lol. Its like asking a child if they like candy and its ALWAYS the FLAVOR of the month here at Ficoland. Best of luck on getting your very own Disco card. I think you got the IT dactor lol
, my one piece of Discover advice :NEVER say sorry about posting another Disco thread!!
Lol
. Its like asking a child if they like candy and its ALWAYS the FLAVOR of the month here at Ficoland. Best of luck on getting your very own Disco card. I think you got the IT dactor lol
Thank You AJC!!!