Discover IT

[Anonymous]

I've been getting mailers from discover for months but I had been waiting to apply because they were offering their highest interest rate (23.74)  and only 6 months at 0%. Now I just got one with the full 14 months at 0% and an apr range of 13.49-16.49. I think that means there's a pretty solid chance of approval, right? My latest experian score is 683 and from what I can tell, that's what they'll pull.  

[Anonymous]

Yes you do

[jlg1970]

Go for it. The aprs are definitely on the lower end from what it initially was. Discover IT card is great and it can grow with you. I've had mine for 3 years now and love it. I actually recently applied for another discover card and the pulled my equifax (I'm from PA so it might be different from where you are).

Let us know what you decide to do. Good luck!

[Anonymous]

Give it a shot. I recently was approved with slightly lower scores than yours

[BIGSTARXXX]

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@Anonymous wrote:

I've been getting mailers from discover for months but I had been waiting to apply because they were offering their highest interest rate (23.74)  and only 6 months at 0%. Now I just got one with the full 14 months at 0% and an apr range of 13.49-16.49. I think that means there's a pretty solid chance of approval, right? My latest experian score is 683 and from what I can tell, that's what they'll pull.  

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I just got the same exact offer ....

Up to then I had gotten a range of 11-23%, and a general "here's what youi might be interested in" and now I get a "personaized" offer

Exp of 771, it's been 18 months since my Ch 13 discharge - I will probably hold off though as my EQ is only 697 (and my CH 13 does not fall of that report for another month)

[Anonymous]

Go for it.  I was approved last week Ex score was 656 credit limit $2000.  However it was a double pull because I got a notification of an EQ inquiry from Discover also.

[MrsCHX]

I got approved with EQ of 672. They did NOT pull EX for me. I'm in the Midwest.
My EQ had 24 inquiries and 2.5 year old late pays on my student loan.

Give it a shot!!

[Anonymous]

I finally got the nerve to finally apply using the most recent mailer they sent me.

Approved with a $5,500 limit!

[AllCredit]

Congrats on the approval very nice SL!

[Anonymous]

Good for you.  I got yet another Discover It application thingy in the mail today.  Was not a set APR.  Did come with a invitation code for the 30th time.  I plan on thinning my herd and might apply in a year if I feel like I can get it to $10k fairly fast.