Debating Discover card before moving to the garden

[Officer737]

In Jan I apped for the Discover card and was declined but can't remember what for. I can't rmember if it was for inquiries or score. I had a lot of inq and score was under 650 on 2 bureau reports. I'm planning a trip to the garden for 12-24 months and debating if I want to try and snag a Discover before I go though I think they hate me lol. 

Now I am over 650 on 2 socres (most recent in my siggy), have about $30k in available credit on my cards and 22% utilization on the cards listed in my signature (except my new Jetblue MC). I have a BK discharged 2 years ago with no hiccups since. Now i am, considering the Discover card before I go to garden as they grow pretty good. 

[jbsea]

I dont know..... I think that your scores might be a little low with your BK only two years ago.

[SouthJamaica]

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@Officer737 wrote:

In Jan I apped for the Discover card and was declined but can't remember what for. I can't rmember if it was for inquiries or score. I had a lot of inq and score was under 650 on 2 bureau reports. I'm planning a trip to the garden for 12-24 months and debating if I want to try and snag a Discover before I go though I think they hate me lol. 

Now I am over 650 on 2 socres (most recent in my siggy), have about $30k in available credit on my cards and 22% utilization on the cards listed in my signature (except my new Jetblue MC). I have a BK discharged 2 years ago with no hiccups since. Now i am, considering the Discover card before I go to garden as they grow pretty good. 

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My advice would be to hold off

[Anonymous]

I would garden. I think you'd have a bigger chance of denial than approval.

[myjourney]

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@Officer737 wrote:

In Jan I apped for the Discover card and was declined but can't remember what for. I can't rmember if it was for inquiries or score. I had a lot of inq and score was under 650 on 2 bureau reports. I'm planning a trip to the garden for 12-24 months and debating if I want to try and snag a Discover before I go though I think they hate me lol. 

Now I am over 650 on 2 socres (most recent in my siggy), have about $30k in available credit on my cards and 22% utilization on the cards listed in my signature (except my new Jetblue MC). I have a BK discharged 2 years ago with no hiccups since. Now i am, considering the Discover card before I go to garden as they grow pretty good. 

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Look here to the person who got Jetblue first on the forum via cold app.... Lol

@discover is iffy and in most cases pulls EQ which in this case is a bit low @ 637

@670 I may have said go for it but I truly think it's in your best interest to select a plot of land and shovel in the GC for @ least 9 months and then assess your options 

[Officer737]

Thanks everyone! Im heading to the garden then. I was pretty sure it was going to my best option, thanks for confirming and I appreciate the advice.

[InfamousRSX]

If you're going to garden for 1 or 2 years, would not be ok to just go for it? I mean, if you get approved, the account will age as you garden, and if you get declined all you lost is a inquiry that will age off and stop affecting your score as you garden and you can try again when you get out. Someone correct me if this logic is wrong

[OmarGB9]

^True, but with scores that low and a fairly recent BK, even if OP is approved, they may not get the best terms (i.e. Low limit, high APR) and while limits *can* grow quickly and APR reductions are possible, this doesn't hold true for everyone. There are plenty of members on here whose Discover cards never unsecured and/or simply won't grow.

[kjm79]

I agree, if you're going to garden for two years, then go for it. My bk discharge is very fresh, very. I was approved last week with an $1,800 SL. APR is 23% (can't complain though), no AF, and the 5% cashback bonus. My scores are below, and they did pull EQ. 

Edited to add: I did the Discover prequal, it offered the IT with 0% intro APR, no AF, and 5% cashback. When I actually applied it countered with the same card, just not the 0% intro APR.

[Officer737]

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@kjm79 wrote:

I agree, if you're going to garden for two years, then go for it. My bk discharge is very fresh, very. I was approved last week with an $1,800 SL. APR is 23% (can't complain though), no AF, and the 5% cashback bonus. My scores are below, and they did pull EQ. 

Edited to add: I did the Discover prequal, it offered the IT with 0% intro APR, no AF, and 5% cashback. When I actually applied it countered with the same card, just not the 0% intro APR.

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I see what you are saying. My only thing is that I tend to see more people with thinner profiles getting approved and more padded ones not getting approved. I will hit the garden pretty good because I want to get better odds for getting a Slate or CSP in 2 years. I have a Slate that I am a AU (wife has a Slate and CSP and a 822 score) on but want one of my own in that 2 year time frame.