Discover mailer right after opening a card with them? And other questions

[FloydWonder]

Hello everyone,

I was approved for my first Discover card about 10 days ago, through a purple mailer with a 3 point APR range. I'd been receiving them about weekly for the last two months or so, and went for it. Ended up with their cash back w/ match @ 20.74% APR, $3500 SL. 0% APR for 14 months, as well. I don't intend to use this for BTs, as I PIF every month.

I just received my first mailer since apping, and am curious to know these are still worth looking at. Seems to be the exact same offer that I originally responded to, and I doubt they'd approve me for another card so soon after the first one.

Any thoughts? Will I continue to receive these? Should I apply again?

Some data points:

$42k annual income

1 paid collection dated 10/16 on TU and EX, from a T-Mobile account I opened and never paid as a minor. It took a long time to actually report, as I'm 22 now.

Cap1 Secured Platinum MC, opened 6/17 - $500 CL

Wells Fargo Cash Wise Visa, opened 10/17 - $1500 CL

Ally Auto loan opened 1/18, refinanced late April this year with a local CU. New loan account and PIF status on Ally has yet to hit my reports. APR reduction from 8.9% to 3.5% after four payments.

There's 94% until on my $17.8k balance for the new loan, with the old currently showing about the same balance ($16,900ish).

Wells Fargo PLOC opened 5/18, $10k CL @ 13.25% - has not reported yet

Amex PRG opened 5/18 as well - also not on my CR yet

Discover IT, opened 5/18 - $3500 SL (mentioned above)

6 TU inquiries (3 are auto finance inquiries in one day)
12 EQ inquiries (7 are auto finance inquiries in two groupings)
~8 EX inquiries (forgot the specifics, as I cancelled my CCT trial but I believe some of them are for the auto loans)

My FICO scores are approximately 650 across the board as of last week per a CCT trial.

I *think* they'll go back up to the low 700s where they were before my May app spree, when these new accounts begin to report, as my CRs only show 2 revolvers with 2k total exposure right now.

Unrelated to original question:

Am I at risk of any AA from my lenders when all of these new accounts begin reporting? I PIF every month and have always kept my revolving utilization below 10% on each card.

Also, am I able to dispute that baddie since I opened the T-Mobile account before I turned 18?

Thanks for the help everyone!

[Anonymous]

I think it just takes time for marketing to catch up to new accounts. I got two or three mailers after getting my DiscoverIT. Mine stopped, they started mailing to DH.

[Anonymous]

Discover won't approve you for a second card until you've had your first for a year.

[Anonymous]

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@Anonymous wrote:
Discover won't approve you for a second card until you've had your first for a year.

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+1

[AverageJoesCredit]

No worries on AA, and yup Disco kept sending even after approved. It's just that crazy Disco. You can always dispute a baddie but not sure if it will help. Post the question about your baddie in rebuilding credit subforum where there are more experienced people who may have a more definitive answer.

[FloydWonder]

Thanks for the advice! I appreciate it.