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1st Discover CLI DPs & 2nd Discover Approval

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Regular Contributor

1st Discover CLI DPs & 2nd Discover Approval

 

4/12, 9/24 new card accounts.

new auto loan- 1mo.

13% aggregate UTL.

3.7y AAoA

17y AoOA

7mo AoYA (card)

0 derog/negatives

2- 7 inquiries

753- 759 FICO  (dropped from 772 due to close of old auto loan and new loan)

 

Disco1 approved last August, $1000 initial limit. AJC special $500 increase after 3 months, then another after ~6 months. No love for a while, "insufficient experience at current limit" rejections. $200- 300 mo/usage, paid in full. More usage last couple months, PIF before statement dates. Earlier this month I tried again and they bumped it from $2000 to $3000.

 

I tried the preapproval thing today and it indicated they liked me. Put in the info, did the text message verification thing- approved for Disco2 for $9000.

 

Looks like Disco proves again that she likes you more when you renew your vows than at the first ceremony.

 

 

small aside- I checked the Apple card application to see what they would offer- $3600 limit, 17.x% APR. I declined that offer since it won't get much spend. I figured it would be in that range and wasn't planning on going through with it unless it was $10k+.

Message 1 of 9
8 REPLIES 8
Super Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Congrats!!

Message 2 of 9
Valued Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

CONGRATS on your Very Nice Disco CLI, your 2nd Disco card approval and Thanks for the DPs - That's how it's DONE!!! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $165K+ | Rebuilding since April 2018
Message 3 of 9
Valued Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Congrats on the Disco luv!  Thanks for sharing the dp's as well!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 4 of 9
Regular Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Awesome!

Message 5 of 9
Frequent Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

I will definitely keep this in mind since I just signed up for discover myself. Congratulations btw
CSP 17.8K
CHASE FU 7k
BECU VISA CARD 13K
BECU LOC 10K
CONNS(SYNCHRONY) 10K
MY JEWELERS 5K
NEW COAST DIRECT 5K
REGIONS PLATINUM 4K
BBT CASH REWARDS 3.5K
BBT TRAVEL 3.5K
PFU(ELAN FINANCIAL) 2K
CAP1 QS1 1.5K(closed GONE)
DISCOVER IT 2K
KAYS 1K(closed GONE)
NFCU CASH REWARDS 4.5k
CREDIT ONE 500(closed GONE)
OPENSKY 300(closed GONE)
DISCOVER(AU) 38.6K
CITI(AU) 12.5K

INCOME = 207K

Score for Fico are: Oct. 2019 Util 5%
Eq= 689
Trans= 719
Ex= 692
Inquires in last 24mths(Aug19)
Eq= 15
Trans= 12
Ex= 17
Accounts in Last 24mth= 19 6mths= 8(Aug19) 4 accounts have been closed
Car Loan= 1
Installment Loans= 5
CC= 12
4 AU accounts for AAoA since I have so many accounts(lol)
(1)10yrs, (3)8yrs
Message 6 of 9
Valued Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Congrats on the new card, and thanks for the DPs!!
Message 7 of 9
Senior Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Congrats!


EQ: 795 | EX: 785 | TU: 783 | Accounts: 2/6 6/12 10/24
Happy practitioner of AZE6or7or8
Message 8 of 9
Community Leader
Mega Contributor

Re: 1st Discover CLI DPs & 2nd Discover Approval

Great job, fantastic second card limitSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 9
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