what are my chances with Discover?

[ktl72455]

No baddies, 1 Inq a yr old

Pre qual is solid at 24.24%

717 EQ**719 TU** 699 EX

Looking for balance transfer options and to get one more card and close out my 2 credit one cards.

Currently have

NFCU Go rewards 

NFCU Cash rewards

Cap 1 

Cap 1 QS 

credit 1

credit 1

Care Credit 

Finger Hutt

total UTL is 79%

This is the only card I am wanting.  Willing to start of low and let it grow, just dont want to add a Inquiry ding if it dont look like a good time.

I tried CLI from Cap 1 .. nope.

[AverageJoesCredit]

With Discover you never know. If you have a solid prequal on their new pq page, probably good. But your util is way to high. Work on bringing it down . Good luck,

[PowerInNumbers4]

I would app for it. Before you do i would get that UTL below or around 20%. you have good scores and a history with other cards and a good limit on one of them. i would be surprised if you didn't get it but nothing is a sure thing.

[JR_TX]

You have a good chance albeit a low SL and high APR hence the 24.24% prequal rate. That APR is a telltale sign that your prequal is somewhat borderline with them. I say wait til you get your UTIL to at least below 30% cuz their card won’t do you any good and serve any purpose for BT with a low SL (which is almost certain).

[Anonymous]

High utilization will likely get you a toy limit card. I wouldn’t app if you’re underwater. If you can pay it down significantly, app after doing so.

[sid33]

If you can get one of your navy cards down, they have 0% BT right now. You could throw credit one on there. Just a thought.

[Anonymous]

Your scores look okay and your inq's are fine.  As others have said, you should pay down your balances to bring your utilization to at least 10-20% before applying.  Discover will be hesitant to extend credit to you when so much of your available credit is already being utilized, and if they do extend you credit it will likely be a very low starting limit.

[ktl72455]

I have the cash to pay off both my credit ones, but what I am wondering if I am better off applying the extra to both my NFCU cards. They would be the ones I would the BT for. 

I have 3,000 extra but not sure if I should split between 2 and pay down, dump all on one or pay off small ones. Or apply to NFCU and use the 0% BT , which still dont get the NFCU balances down!

Mine Dec 2017	Dec	Credit Limit	Stmt Bal
NFCU N Rewards		17,300.00	16,327.55	94%
Care Credit		4,500.00	1,808.85	40%
NFCU cash rewards		14,700.00	14,008.72	95%
Finger Hutt		1,600.00	0.00	0%
Credit one		1,750.00	717.93	41%
Cedit One #2		1,200.00	541.18	45%
Orchard Bank		400.00	0.00	0%
Capital one		3,500.00	2,675.40	76%
		44,950.00	36,079.63	80%

[Anonymous]

Like mentioned by others on this post I would get the utilization down because it amounts to roughly 30% of your credit/credit score.

[CreditInspired]

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@ktl72455 wrote:

No baddies, 1 Inq a yr old

Pre qual is solid at 24.24%

717 EQ**719 TU** 699 EX

Looking for balance transfer options and to get one more card and close out my 2 credit one cards.

Currently have

NFCU Go rewards 

NFCU Cash rewards

Cap 1 

Cap 1 QS 

credit 1

credit 1

Care Credit 

Finger Hutt

total UTL is 79%

This is the only card I am wanting.  Willing to start of low and let it grow, just dont want to add a Inquiry ding if it dont look like a good time.

I tried CLI from Cap 1 .. nope.

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Since you are looking for BT offers, NFCU has a great one going on right now until Feb 28. Twelve (12) months, 0% interest, and as you know NFCU doesn't charge a BT fee.

***Edited*** Oh wow, I just noticed your extremely high UT so I must digress. I don't think you will qualify anywhere until you get that down to at least 29.9%

GL2U