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Discover unOfficial Data Points

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Community Leader
Super Contributor

Re: Discover unOfficial Data Points

Silver is the Chrome It. Its not available for the regular It.
Message 1771 of 1,789
Community Leader
Valued Contributor

Re: Discover unOfficial Data Points

I logged into my Discover It account this morning an noticed a promo for Business It, saying it "New", and I've never noticed it before. Straight 1.5% cash rewards, but double back rewards for the first year plus 0% APR for the first year. Thinking of app'ing for it. I don't really have a business, just occaisional sales on eBay and Amazon Marketplace, but I have the Cap One Spark Select (no AF) biz card.

 

And since the Discover It biz card almost certainly reports as a personal card like Spark I assume it's OK to post this here instead of Business Credit.

 

I got my Discover It in 2015 and forget what CRA they pulled but I think it was EX. According to DoC it's a mix - 52% EQ, 25% EX, 23% TU. I have all 3 CRs locked, so need to figure out which to unlock before app'ing.

 

EDIT: I tried the Disco pre-qual and got a message no pre-approvals found because EX was locked. Disco is a stickler on that even though as an existing creditor they should be able to SP, but their EX Scorecard also won't work unless I unlock EX first. Will check again in 8 days.


Fico 08: 720/721/719 TU/EX/EQ
Message 1772 of 1,789
Contributor

Re: Discover unOfficial Data Points

A few weeks ago I recieved a auto CLI for my Discover IT card. It was opened in 2013 as a student card, all my CLI's have been auto, I think requested a CLI once a while back but it was declined. Over the years the CLI's have been $1000 -> $2000 -> $4200 -> $7200 (June 2018) -> $9200 (Jan 2019). I had about a 40% UTL on the card when they gave me the CLI (took advantage of their 0% APR promo to pay for a Mac), I also opened a Discover It Miles in May. Discover says my TU is 749 but it's dropped a bit since.



Message 1773 of 1,789
Frequent Contributor

Re: Discover unOfficial Data Points


@Prestige4 wrote:
My Discover card turns 1 on 1/12. I'm showing prequals for all of their cards at 23.24% (ouch). 0% for 14 months helps some. When I check for a CLI, it still wants to give me only $200 (I declined it). My current Discover card sits at $2200.

Based on the high APR for the second card and small CLI on the first card, am I relegated to a small SL on the second card if approved? Anybody get approved with a lower APR than what the prequal showed? By small, I mean a SL under 5k.

Checked again this evening and now am showing preapprovals for 17.24% after 0% for 14 months.  Tempted to go for it.


Feb - May 2017

Current Fico 8

Goal:
Message 1774 of 1,789
Valued Contributor

Re: Discover unOfficial Data Points

What is the cl on your first card ?
Message 1775 of 1,789
Frequent Contributor

Re: Discover unOfficial Data Points

2200.

Feb - May 2017

Current Fico 8

Goal:
Message 1776 of 1,789
Valued Contributor

Re: Discover unOfficial Data Points

At 17.24%, I would probably do it, especially if your income and history says you can support a CL higher than $2200. 



Scores 1/1/19:
Scores 2/11/19:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 1777 of 1,789
Frequent Contributor

Re: Discover unOfficial Data Points

I currently have 15k card (venture), 8k (savor) and 8k (PayPal), so hoping for at least that amount for SL on the second discover if I go for it.

Feb - May 2017

Current Fico 8

Goal:
Message 1778 of 1,789
Regular Contributor

Re: Discover unOfficial Data Points

My Disco is currently at $13.5K @ 23.24% and I have a pre approved offer for a second card @ 19.24%. I'm wondering what the limit on the 2nd card will be... I am going to app at the end of Feb

Oct 2018 Fico'd EX 817, TU 811, EQ 798
June 2018 Fico's EX 830, TU 817, EQ 824
PenFed Power Cash Rewards $17K (Jan 2018), Discover IT $13.5k(Jan 2018), Capital One $7500 (Aug 2014), Chase Freedom (PC from FU Jan 2019) $4500 (Jan 2018), Sam's Club MC$10000 (Jan 2018), BBVA $25K (Apr 2018) ,WF Propel 15.5k(Jul 2018), USB Cash+ $14K(Jul 2018), Citi Best Buy Visa Platinum $8500(Sept 2018) Digital Federal Credit Union $15k (Nov 2018)

Campus USA CU Auto Loan 85k (Aug 2018) BBVA Compass Express Loan $15k (Nov 2018)
Rebuilder Cards: First Permier $1250 closed (6/11/18), FNBO $2100( Nov 2006)

AAoA 2.8 years UT 1%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2k (Nov 2018) AMZN Store Card $3K (Jan 2019)
Message 1779 of 1,789
Valued Contributor

Re: Discover unOfficial Data Points


@Prestige4 wrote:
I currently have 15k card (venture), 8k (savor) and 8k (PayPal), so hoping for at least that amount for SL on the second discover if I go for it.

Obviously it’s up to Disco and nobody can predict your SL but with those other cards, I would be surprised if they give you a low limit. 



Scores 1/1/19:
Scores 2/11/19:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 1780 of 1,789