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Application advice for a (super) Thin File n00b?

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Re: Application advice for a (super) Thin File n00b?

Just an update: I took the advice given by many here and went the Discover IT route (the Miles variant, to be exact, for the effective flat 3% CB for the first year... will probably product change to the rotating categories version after that year is up). I also got approved about five minutes later for the Amex Simply Business Cash Plus card, even though that won't go toward beefing up my file.

 

Thanks for your help, everyone.

Message 11 of 16
Community Leader
Senior Contributor

Re: Application advice for a (super) Thin File n00b?

What is the 3% CB card. I cant find it on Disco’s website?
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 12 of 16
Community Leader
Mega Contributor

Re: Application advice for a (super) Thin File n00b?


@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

Miles is 1.5%, but with cash back match, it makes it  3%  for  the first year only 

EX 759 EQ 774 TU 753


Message 13 of 16
Member

Re: Application advice for a (super) Thin File n00b?


@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

The Discover IT Miles card gives 1.5 miles/dollar spent (miles are valued at a cent each and can be redeemed for cash back), and Discover matches all of your earned miles at the end of your first year, making it effectively a 3% CB card for that year.

Message 14 of 16
Community Leader
Senior Contributor

Re: Application advice for a (super) Thin File n00b?


@raekwon wrote:

@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

The Discover IT Miles card gives 1.5 miles/dollar spent (miles are valued at a cent each and can be redeemed for cash back), and Discover matches all of your earned miles at the end of your first year, making it effectively a 3% CB card for that year.


Oh silly me. Forgot about the match 😂🤣

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 15 of 16
Frequent Contributor

Re: Application advice for a (super) Thin File n00b?

The Discover it card will always be my suggestion for thinner files. They approved me without having any credit history at all. The benefits are really solid as well - 5% cashback on rotating categories and 1% on everything else, plus all the cashback you earn in your first year gets doubled, effectively making the rates 10% and 2%. Good luck! Smiley Happy

 

Edit: Oops, just saw you got approved for the miles variant - congrats, that's a solid card as well! Smiley Very Happy

Message 16 of 16
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