Welcome to My Fico!
Congrats on your progress thus far..
In reading this: "Would it be better to wait before looking at Discover again? I’ll have that baddie gone in a few weeks and my balances down under 10% all that should get me up to 680-700"
I would say, yes, wait out the few weeks..
After the baddie is gone & your score reflects the change, try Disco prequal again. You might even qualify for an unsecured at that point.
Good Luck & keep at it!!
I plan on gardening , I would just like to get my 3 revolving lines of credit so that I can then get an instalment loan from my credit union and have a solid portfolio to garden and to have a couple of rewards cards while Im doing it. This way I'm atleast geting paid for all I spend. Im running about 6k through my cards a month.