@Anonymous wrote:
@marcforza1 wrote:
@BronzeTrader wrote:Sorry to hear it.
It's all good. After thinking it, I probably should have applied for something basic first like a Walmart card or the Discover IT since they like to send me stuff in the mail. I'm just going to wait a few months after I make some payments on the FU card before I try to apply for it.
Just keep in mind, Discover is phenomenal and far from basic. Better than Barclay in every aspect.
I've read a lot of good reviews about the Discover IT card the past two weeks. I probably should have apped with them when they were sending me all those offers in the mail back in the fall. During that time, all I had was the AU on the Freedom with making on time payments and my scores were increasing due to old student loans being taken off my report. When I did the prequalified app on the site twice it said I prequalify for the cash back card. But at the same time, I also read that their prequalified site is less than reliable. So, I don't think I want to take the chance to apply and add another HP to my report.
Just a quick update on this, I decided to be brave and did one last app and this time I went for one that suits my scores and credit history. Got approved for the Capital One Platinum card! I'll post more info on the Credit Card Approval thread tomorrow.
@Justagirl73 wrote:
@marcforza1 wrote:
@Anonymous wrote:
@marcforza1 wrote:
@BronzeTrader wrote:Sorry to hear it.
It's all good. After thinking it, I probably should have applied for something basic first like a Walmart card or the Discover IT since they like to send me stuff in the mail. I'm just going to wait a few months after I make some payments on the FU card before I try to apply for it.
Just keep in mind, Discover is phenomenal and far from basic. Better than Barclay in every aspect.
I've read a lot of good reviews about the Discover IT card the past two weeks. I probably should have apped with them when they were sending me all those offers in the mail back in the fall. During that time, all I had was the AU on the Freedom with making on time payments and my scores were increasing due to old student loans being taken off my report. When I did the prequalified app on the site twice it said I prequalify for the cash back card. But at the same time, I also read that their prequalified site is less than reliable. So, I don't think I want to take the chance to apply and add another HP to my report.
I did not receive a prequalified offer when I apped for Discover and was approved.
On the site, it just gave me a range for the APR rather than a set percentage. I don't remember if the ones in the mail gave me a specific APR. I threw away the paperwork after a month deciding that I wasn't ready to apply at the time.