@SoCalifornia wrote:
Thanks to all who have fronted up good info.
@Saeren
Yes. I may have some deep-seeded past rejection issues of some sort. However, success can also be scary too 🤷🏽♂️
@joltdude
As perhaps you may have noticed with my screen name, compulsion controls me. I realize I am overthinking and procrastinating. Honestly, I'm pretty confident of approval, it's just in the likelihood I am approved, I want the best limit my report can pull off. My youngest baddie is going on two years old.
I'm stressing for no reason.
As far as I know, I don't have any STD's of any kind. 👌🏽
So, what you're saying is, screw all that, hit the button? Just for clarification 😁
Mostly..
As I said previously, I understand waiting for everything to report and you still can do that if it makes you feel better.. If your saying that baddie is at least 2 years old. let everything report and just app already... I'm pretty sure you have an approval, just nitpicking on the details at this point ... Interest rate is negotiable after the promo period and CLIs are SP... Though even if you dont get what you expect out of the gate, theres a good chance a little bit after the third statement you might get an auto CLI if your scores keep moving upward or don't tank...
As @AverageJoesCredit has said to others.. Just do it !
Discodad
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@ImTheDevil
I live in CA. The pre-approval does in fact come with an offered APR, albeit, it's not great- but I'll take it to get in with Disco. I plan to app this coming week 👍🏽
I live in CA. The pre-approval does in fact come with an offered APR, albeit, it's not great- but I'll take it to get in with Disco. I plan to app this coming week 👍🏽
Good. With Disco’s history of overwhelming approvals when offering a fixed APR, you should be good to go. Looking forward to seeing your approval thread 
@SoCalifornia Never thought it would be me being the one to encourage a member out of the Garden.... but here I am.. with the slight peer pressure....
Though its kinda funny.. I was nudged/goaded a few times on here .... for a few of my current cards.....
I get that your hesitant... but just app.... It won't hurt... Discovers prequals have become very solid... you really should not be afraid of a single rejection... its folks who keep going with multiple rejections that start to run into issues... Heck Miss discover said NO to me the first time I apped a LONG time ago... but then the flood of marketing offers came in.. and i waited... and waited and someone pushed me to app already... I actually decided to app the second time after I got a preapproval from chase for what was at that time the lowest APR that seemed to be offered.. AND apped for that card first! The irony... Chase hasn't given me squat. Both my Chase cards are at the same CL they were approved for....
Take a leap of faith... and app already..
Good luck.. I think you have this...
-J
@joltdude wrote:@SoCalifornia Never thought it would be me being the one to encourage a member out of the Garden.... but here I am.. with the slight peer pressure....
Though its kinda funny.. I was nudged/goaded a few times on here .... for a few of my current cards.....
I get that your hesitant... but just app.... It won't hurt... Discovers prequals have become very solid... you really should not be afraid of a single rejection... its folks who keep going with multiple rejections that start to run into issues... Heck Miss discover said NO to me the first time I apped a LONG time ago... but then the flood of marketing offers came in.. and i waited... and waited and someone pushed me to app already... I actually decided to app the second time after I got a preapproval from chase for what was at that time the lowest APR that seemed to be offered.. AND apped for that card first! The irony... Chase hasn't given me squat. Both my Chase cards are at the same CL they were approved for....
Take a leap of faith... and app already..
Good luck.. I think you have this...
-J
J. You are one encouraging dude. Some user resurfaced this thread from a month ago. Now I've received a few contributors pumping me up to app. Lol. Incidentally, I app'd for Disco right after this posting and was instantly approved. I've since also picked up my CSP. BUT... if I hadn't done that yet, this post would have been my cats meow. Especially how you type with unlimited ellipses. My wife does that too. Makes me feel like I'm down two with twelve seconds to go! I'm currently cultivating, but when I come out of the garden in 23months to tackle a second Disco, I want you at the top of the key!!