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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.
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 1771 of 1,802
Community Leader
Senior 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 1,802
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 1,802
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
Message 1774 of 1,802
Valued Contributor

Re: Discover unOfficial Data Points

What is the cl on your first card ?
Message 1775 of 1,802
Frequent Contributor

Re: Discover unOfficial Data Points

2200.

Feb - May 2017

Current Fico 8
Message 1776 of 1,802
Senior 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 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 1777 of 1,802
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
Message 1778 of 1,802
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

June 2019 EX 778, TU 788, EQ 790 April 2019 FICO EX 802, TU 790, EQ 804, 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 $20.5k(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 $2600( Nov 2006)

AAoA 2.8 years UT 1%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2.5k (Nov 2018) AMZN Store Card $5K (Jan 2019) Target RedCard &2.5k (Apr 2019)
Message 1779 of 1,802
Senior 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 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 1780 of 1,802