Discover IT applying

[kjm79]

Your EQ score is higher than mine, and I was just approved last week with a $1,800 CL. And a with a fresh BK discharge. No current lates (other than the BK itself and the 6 IIB accounts on my reports now). My utilization was about 30% at time of app'ing. Have you tried the Discover Prequal?

[Anonymous]

Thanks, for the response, kjm. Your news gives me some hope! I have been trying the Discover prequal, but I see a recommendation for the red(or purple?) Discover IT with a broad APR range rather than the small range I see discussed on the forums.

My full payments finally reported yesterday and today, so I have a 699 EX, 679 TU, 672 EQ. I just paid off my $500 balance down to $50, so I'm curious to see what happens when that posts. My UTI should stick around 1% from here on out.

On another note, my vantage scores actually dropped 6 points from 625-619 after my payment posted. So annoying.

[Anonymous]

I applied a few days ago... $2,500 SL with current EQ of 721. I had apped in November and was shot down, worked on my util (30% down to 11%) 

[Anonymous]

I applied a few days ago over the phone they pulled EX & TU but i got approved for 800. Not much but ill take it its only my 3rd unsecure card. I plan to be VERY VERY GOOD to it. 

[Officer737]

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@Anonymous wrote:

I applied a few days ago over the phone they pulled EX & TU but i got approved for 800. Not much but ill take it its only my 3rd unsecure card. I plan to be VERY VERY GOOD to it. 

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Same amount I got and time to nurse it! 

[Anonymous]

I just wanted to bring this thread back up, because I have exciting news for myself. After taking everyone's advice and waiting it out before applying, I received a letter in the mail today from Discover with an invitation to apply. So I bit the bullet, applied, and was approved right away with a 7500 limit at a rate btwn 13-17ish percent(after 12 months of 0 percent).

I'm so psyched; I've only had Cap One cards(one for 2 years, the other for 6) and was really looking forward to a Discover card. Not only did I get the Discover, but it's my highest limit yet. I'll be switching his to the Penguins NHL design as soon as I get the chance.

Thanks, everyone, for the input!

[Anonymous]

Just to add, my new scores are 681 EQ, 687 TU, 701 EX.

[Anonymous]

That's wonderful! I'm so glad it worked out for you. 

[Anonymous]

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@Anonymous wrote:

That's wonderful! I'm so glad it worked out for you. 

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If you apply for the Discover IT card and get denied, do they give you the unsecured option at the time or is that a second HP? I don't mind having to do the secured. Thoughts? I need to wait 45-60 days before I can apply, but an curious if they would offer secured if unsecured is denied. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

That's wonderful! I'm so glad it worked out for you. 

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If you apply for the Discover IT card and get denied, do they give you the unsecured option at the time or is that a second HP? I don't mind having to do the secured. Thoughts? I need to wait 45-60 days before I can apply, but an curious if they would offer secured if unsecured is denied. 

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I did not get denied but have been reading around they'll usually offer a secured or a co-applicant. Sorry I can't be of more help!