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18 year old son - Discover app.

fltireguy
Valued Contributor

18 year old son - Discover app.

Second app for my just-turned-18 son will be Discover. He was just instant approved in branch for a NFCU CashRewards Visa, $3k @11.15%.  Now, here’s the thing. He is showing a EX Fico08@ 757, with a 1.8 AAoA, and oldest account 2.8 years.  He is showing preapproved on their website for Chrome and IT... solid APR... Think he should be good to go? Wonder what the SL will be - I know with Discover ANYTHING is possible 

 

TU and EQ are around 670-690. (NO idea why there is such a difference between them and EX)

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 1 of 9
8 REPLIES 8
Jnbmom
Community Leader
Senior Contributor

That'sRe: 18 year old son - Discover app.

That's usually a solid pre approval. I think he will get it no problem. His SLwill depend on his income.

My daughter 19 just got her first discover card 1250SL. They pulled EQ. That limit is fine by me .
EXP 758 TU 783 EQ 729
Message 2 of 9
AverageJoesCredit
Community Leader
Mega Contributor

Re: That'sRe: 18 year old son - Discover app.

Should be good.

With Discover I wouldnt be surprised at a 10k limit out of the game, they just have no method to their madnessSmiley Wink
Message 3 of 9
VoltronM
Senior Contributor

Re: 18 year old son - Discover app.

Congrats on approval and nice SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 9
CreditCuriosity
Moderator

Re: That'sRe: 18 year old son - Discover app.


@Jnbmom wrote:
That's usually a solid pre approval. I think he will get it no problem. His SLwill depend on his income.

My daughter 19 just got her first discover card 1250SL. They pulled EQ. That limit is fine by me .

Lol SL won't depend on income.. Nothing personal.. Smiley Happy . Most card issuers to some extent, not Discover by any shape of the imagination

Message 5 of 9
fltireguy
Valued Contributor

Re: That'sRe: 18 year old son - Discover app.

Update -approved $1K SL..Mods please move to approvals

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 6 of 9
Jnbmom
Community Leader
Senior Contributor

Re: That'sRe: 18 year old son - Discover app.


@CreditCuriosity wrote:

@Jnbmom wrote:
That's usually a solid pre approval. I think he will get it no problem. His SLwill depend on his income.

My daughter 19 just got her first discover card 1250SL. They pulled EQ. That limit is fine by me .

Lol SL won't depend on income.. Nothing personal.. Smiley Happy . Most card issuers to some extent, not Discover by any shape of the imagination


Sorry I would think income would play a role in SLs, but I guess not with discover , learn something new every day I suppose.

EXP 758 TU 783 EQ 729
Message 7 of 9
AverageJoesCredit
Community Leader
Mega Contributor

Re: That'sRe: 18 year old son - Discover app.

Congrats to DS Tireguy.
Message 8 of 9
CreditCuriosity
Moderator

Re: That'sRe: 18 year old son - Discover app.

@Jnbmom you have nothing to be sorry about Smiley Happy.  We all learn stuff and my word isnt the gospel.  Just from what I have seen from years on the forum how they react to various profiles/incomes/etc is all.

 

Congrats on the approval!

Message 9 of 9
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