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Discover 2nd (second) card app thread

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Senior Contributor

Re: Discover 2nd (second) card app thread

No you don’t. Only cards that you own count. You can become an AU at breakfast and app for your own before lunch.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 371 of 392
Frequent Contributor

Re: Discover 2nd (second) card app thread

I did this for gas I maxed out first card I got may 18, then got second card may 2019. Maxed out, plan on doing again next year for second card. Have 45 days for second quarter of 2020 to Max. Still have gc worrth 450, and travel all the time
br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture-VS-(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(50% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 372 of 392
Community Leader
Super Contributor

Re: Discover 2nd (second) card app thread

I've had it twice now, I would say third time is the charm?





Message 373 of 392
Frequent Contributor

Re: Discover 2nd (second) card app thread

Woo hoo! Maxed out PayPal/restaurant quarter. PayPal is off and on about letting one send money...
br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture-VS-(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(50% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 374 of 392
Valued Contributor

Re: Discover 2nd (second) card app thread

I had previously reallocated half of my limit from my first card (Chrome) to my second (Chrome It). After the 1st year I didn't find value in the Chrome.

Today, I was able to get a CLI available on both cards. Called in, got the CLI's applied, then reallocated my Chrome limit to my It after closing the Chrome. It only took about 10 min. Now almost $50k CL. They said I could open a new card at any time.
Looking forward to opening another Chrome this month to max out Q4 twice! Discover is awesome!



Message 375 of 392
Community Leader
Super Contributor

Re: Discover 2nd (second) card app thread

Awesome job @Sabii Smiley Happy.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 376 of 392
Valued Contributor

Re: Discover 2nd (second) card app thread

Thanks, AJC!
I still messed up, lol! They failed to mention it only transfers the CL, not the balance. So now I have an open balance on my closed card instead of on my open card, which has a low balance. Yikes! At least I can still pay it off over time it seems (or do a BT), but I have no idea how it's going to report. 😬



Message 377 of 392
Valued Member

Re: Discover 2nd (second) card app thread

OK So here's a another question for those out there in Fico land......

 

Have had a Discover It card,  (started as secured, graduated at 6 months) a bit short of two years, had a few CLI's since
and the last CLI a few days short of 60 days ago....
If I apply for 2nd card (Miles).... does it matter that the last CLI was less than 2 months ago? (or not at all)

Also, is it better to call in and request the 2nd card via Customer Service (soft pull, if I do?) or apply on line (is that a hard pul) ?
Any thoughts, suggestions or information would be greatly appreciated.

Message 378 of 392
Community Leader
Super Contributor

Re: Discover 2nd (second) card app thread


@FishingGuy wrote:

OK So here's a another question for those out there in Fico land......

 

Have had a Discover It card,  (started as secured, graduated at 6 months) a bit short of two years, had a few CLI's since
and the last CLI a few days short of 60 days ago....
If I apply for 2nd card (Miles).... does it matter that the last CLI was less than 2 months ago? (or not at all)

Also, is it better to call in and request the 2nd card via Customer Service (soft pull, if I do?) or apply on line (is that a hard pul) ?
Any thoughts, suggestions or information would be greatly appreciated.


@FishingGuy   I have had 2 second cards, and IME, a CLI doesn't bother the new card.   I got a CLI on the original card, and then apped the second card and got almost the same SL as the CL of the first card i'd had for a year.     I'm sure it's EX profile driven too, so YMMV, but if you show a pre-approval on the site, you should be good to go with it. 






Message 379 of 392
Valued Member

Re: Discover 2nd (second) card app thread

Thanks Jago,

 

Silly question, do I look for a pre-approval on the Discover site prior to logging in? Or once I log into my on-line account ( i couldn't see where to app for it there ) Exp is abut 770 now,  which is substantially higher than when the original card was approved....is that a better way to go than calling in & speaking with a rep? (they are usually very helpful) ...and I can charm them a bit    :-)   lol

Message 380 of 392
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