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Discover 2nd (second) card app thread

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New Contributor

Re: Discover 2nd ( second) card app thread

I just app'd for a 2nd Discover It card today because I was stuck at $2,000 credit line.

Approved instantly for $15,500 for my second card!

TU 776

Smiley Happy

Message 51 of 374
Established Contributor

Re: Discover 2nd ( second) card app thread


@Jfi wrote:

I just app'd for a 2nd Discover It card today because I was stuck at $2,000 credit line.

Approved instantly for $15,500 for my second card!

TU 776

Smiley Happy


Congratulations, seems crazy they wouldn't give you a CLI with that score. How long have you had your first card?

 

Robot Very Happy


Message 52 of 374
New Contributor

Re: Discover 2nd ( second) card app thread

Almost 3 years...but I was at an approximate 620 score when I originally got the card...so I don't know if they had me in some kind of other category. 

I'm not sure how it all works. 

Message 53 of 374
Super Contributor

Re: Discover 2nd ( second) card app thread


@Jfi wrote:

I just app'd for a 2nd Discover It card today because I was stuck at $2,000 credit line.

Approved instantly for $15,500 for my second card!

TU 776

Smiley Happy


Incredible. What is wrong with those people?


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 54 of 374
Highlighted
Frequent Contributor

Re: Discover 2nd ( second) card app thread


@AverageJoesCredit wrote:
Hey guys, im not sure if this thread will stick but i figured id give it a try to create a thread only related for those looking to app a second Discover card, most likely the It card but since their selection isnt that big other cards could be included.

Though their is another Discover unofficial data point thread, i want this one to be more focused for those considering apping a second Discover card so they can see data points from those of us who have experiencd this. Please include , if you remember, your Fico score when applied, and any pertinent info like previous credit limit, any promos offered with app like 0% apr, bt offers etc.

If this doesnt last or gets merged i understand but hopwfully the few of us who have closed our first Discover cards and reapped can shed light to those thinking of doing soSmiley Happy Thanks everyone, ill begin......

Been thinking about this since the morning.

 

Facts: Checking for prequal on the Discover site does not do a HP.

 

Questions:

1. If you are prequalified, does applying for the second card do a HP? or do they use their internal score and SP?

2. Is there a capping of sorts or an upper limit of total credit limit/exposure at Discover per account or per account holder? For example, like Amex and PenFed.

Amex BCE | Discover | Chase Freedom | Citibank DC | SYNCB | Barclay Rewards | BoA Cash Rewards | CapOne QS | Chase CSR | Chase FU | Amex Ascend | 2019 Goal: Gotta make it to 200k |
Message 55 of 374
Community Leader
Super Contributor

Re: Discover 2nd ( second) card app thread


@piroskavalentino wrote:

@AverageJoesCredit wrote:
Hey guys, im not sure if this thread will stick but i figured id give it a try to create a thread only related for those looking to app a second Discover card, most likely the It card but since their selection isnt that big other cards could be included.

Though their is another Discover unofficial data point thread, i want this one to be more focused for those considering apping a second Discover card so they can see data points from those of us who have experiencd this. Please include , if you remember, your Fico score when applied, and any pertinent info like previous credit limit, any promos offered with app like 0% apr, bt offers etc.

If this doesnt last or gets merged i understand but hopwfully the few of us who have closed our first Discover cards and reapped can shed light to those thinking of doing soSmiley Happy Thanks everyone, ill begin......

Been thinking about this since the morning.

 

Facts: Checking for prequal on the Discover site does not do a HP.

 

Questions:

1. If you are prequalified, does applying for the second card do a HP? or do they use their internal score and SP?

2. Is there a capping of sorts or an upper limit of total credit limit/exposure at Discover per account or per account holder? For example, like Amex and PenFed.

 

Piro, even though many have reported not recieving a hp after being prequaled,  there are those who have received one so i think a good frame of mind is to EXPECT a hp but be happy , lol, if you dont receive one. Im not sure if i would have prequaled had my Eq not been frozen  so i guess ill never know or perhaps in the future we will seeSmiley Wink

 

As for caps, im not sure, we have not really seen that mentioned hereas evidence dome have gotten their Disco ovee 50k and climbing. Im sure yoyr income and overall profile will affect how much they lend you. 


#ChaseCreditCardHobby Enthusiast
2022
!
Message 56 of 374
Community Leader
Super Contributor

Re: Discover 2nd ( second) card app thread


@Jfi wrote:

I just app'd for a 2nd Discover It card today because I was stuck at $2,000 credit line.

Approved instantly for $15,500 for my second card!

TU 776

Smiley Happy


Well doneSmiley Happy.  If possible please note any additional info with the 2 accounts like when opened, scores, promos offered, are they both It cards? Thanks. We want people to see  the difference or possible differences in how ones profile looked while getting second accountSmiley Happy

#ChaseCreditCardHobby Enthusiast
2022
!
Message 57 of 374
Established Contributor

Re: Discover 2nd ( second) card app thread

I've got one card at 6.6k and then 2nd with cash match at 1k which should grow to another 5k... *Cross Fingers & Toes* Smiley LOL

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 58 of 374
Established Contributor

Re: Discover 2nd ( second) card app thread


@Jfi wrote:

I just app'd for a 2nd Discover It card today because I was stuck at $2,000 credit line.

Approved instantly for $15,500 for my second card!

TU 776

Smiley Happy


Wow! Congrats! Smiley Very Happy

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 59 of 374
New Contributor

Re: Discover 2nd ( second) card app thread

Hi!

Both are It cards.

The first one I opened a little under 3 yeas ago...my score then was maybe 620 and thy gave me a SCL of $500. I've gotten 3 $500 CLI's in the past 2 years....the most recent one just being 2 weeks ago bringing me up to a CL on $2000.

I just looked this morning and my TU is 776 EQ is 749...not sure about EX. 

When I called yesterday they gave me a new IT Card with a CL of $15,500....0% for 14 months....double cash back end of first year.

This will be my highest CL on a card now.

I'm happy I called. I was nervous on doing a HP for no reason, but I think it was worth it.

For anyone on the fence about a 2nd it card with good scores and a current card that's stuck at a lower limit...I'd highly suggest apping for a new card!

Hope this helps!

Message 60 of 374
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