I havent got a credit card mailer in years! I get one today from Discover inviting me to apply for the categories card. I really want in with Discover. Should i wait and continue my work on my credit or apply. I have like 30 inq and ny scores are like 689 ex 690 eq 700 trans ... i recently paid off hc processing which is a card thay helped me finance my bed and closed it but it hasnt updated on cct yet also my credit limit increase on my jcrew from 300 to 4500 hasnt updated yet. Also, i didnt want to apply necause b of a baited me to app and i got denied while i was out i requested a limit increase on usbank which was denied ans i apped for amex cause of ck which was a no go as well i cant handle the rejection anymore, maybe at this point im looking for an approval and i should back off but the mailer got me smiling even though it was just an invitation and not a pre approval. I know its not much info but throwing it out there. What do you all think?
Being that you got the mailer, it's possible that you could get an instant approval, assuming your profile stayed the same or got better from the time they pulled your info. Nothing is a guarantee though. So, if you feel like you want to improve a bit more first, there certainly is no harm in that.
