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Discover IT applying

kjm79
Valued Contributor

Re: Discover IT applying

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?


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 11 of 24
Joefico87
Established Member

Re: Discover IT applying

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.


Starting Score (3/7/2016) 648 EX 631 TU 620 EQ
Current Score (3/18/2016) 699 EX 679 TU 672 EQ
Goal Score: 700


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Message 12 of 24
CreditSlayer
Regular Contributor

Re: Discover IT applying

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%) 

FICO Scores TU 728 EX 721 EQ 723
Message 13 of 24
virgomom913
Regular Contributor

Re: Discover IT applying

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. 

2/25/2015 EQ 480 TU 498 EX 474 5/11/2016 EQ 661 TU 643 EX 653
PNC Signature Visa 7500] Discover IT 800] Cap One QS1 1500] Cap One QS 1500] US Bank Plat 500] Barclay Rewards 500] Walmart 500]
Message 14 of 24
Officer737
Established Contributor

Re: Discover IT applying


@virgomom913 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. 


Same amount I got and time to nurse it! 

Message 15 of 24
Joefico87
Established Member

Re: Discover IT applying

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!

Starting Score (3/7/2016) 648 EX 631 TU 620 EQ
Current Score (3/18/2016) 699 EX 679 TU 672 EQ
Goal Score: 700


Take the myFICO Fitness Challenge
Message 16 of 24
Joefico87
Established Member

Re: Discover IT applying

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

Starting Score (3/7/2016) 648 EX 631 TU 620 EQ
Current Score (3/18/2016) 699 EX 679 TU 672 EQ
Goal Score: 700


Take the myFICO Fitness Challenge
Message 17 of 24
jrenae4
Frequent Contributor

Re: Discover IT applying

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


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 18 of 24
OhMyWhatHaveIDone
Frequent Contributor

Re: Discover IT applying

 


@jrenae4 wrote:

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


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. 

Message 19 of 24
jrenae4
Frequent Contributor

Re: Discover IT applying


@OhMyWhatHaveIDone wrote:

 


@jrenae4 wrote:

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


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. 


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!


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 20 of 24
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