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2nd Discover IT Approved.

Jago22
Community Leader
Super Contributor

2nd Discover IT Approved.

So i started my rebuild little over a yr ago with a discover secured card 200 limit.   It graduated at the 7th month and i have only gotten on CLI of 200 on that card. So a total limit of 400 in over a year of history. Not sure if its bucketed but it wont grow.  I got a pre-approved offer from Disco and due to the history with the first card, didnt expect much.   I am "trying" to garden, but the urge got the best of me.  clicked the button..  Boom  2500.  0% apr for 14 mos and another year of CB match. 

 

DP's   (current scores listed below)

Util: 8%

new accts in the last 12 months: 16

INQ's..   close to triple digits (dont try this at home kids)

 

So i'm not sure why the original card didnt grow, but i have this one now.  May do the combine next year after 0% ends. 





Message 1 of 29
28 REPLIES 28
CreditCuriosity
Moderator

Re: 2nd Discover IT Approved.

Congrats better then the 1k approval they tried to throw me last week on the pre-qual for my second card which I turned down lol and just had them withdrawal the application as had to finalize it over the phone.. Enjoy the double cash back!  If they would of approved me for 2k at least I probably would of kept it Smiley Happy

Message 2 of 29
Jago22
Community Leader
Super Contributor

Re: 2nd Discover IT Approved.

Thanks, i did some small BT's to it as well, just for the 0% apr. i wonder if that helped, but either way i have a decent limit Disco now.   I seriously think my first disco is bucketed in the "your credit sucks and we dont CLI secured cards even after grad".  that's the impression that i get..  





Message 3 of 29
Rjw170
Frequent Contributor

Re: 2nd Discover IT Approved.

Congrats on the approval and the successful rebuild!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 4 of 29
Jago22
Community Leader
Super Contributor

Re: 2nd Discover IT Approved.

Thanks. its been a fun journey, but i need to step back and let it all grow now.   We'll see how that goes Smiley LOL





Message 5 of 29
AverageJoesCredit
Mega Contributor

Re: 2nd Discover IT Approved.

Haha, way to go JagoSmiley Happy Welcome to the BigBoy tableSmiley Happy. Double cash is sweet. I wish I could run mine up to get max cash back but I cant so I just go after diamondsSmiley Wink

Watch you pockets , Miesterbro may be looking for a cc to buy his breakfast withSmiley Happy
Message 6 of 29
Jago22
Community Leader
Super Contributor

Re: 2nd Discover IT Approved.


@AverageJoesCredit wrote:
Haha, way to go JagoSmiley Happy Welcome to the BigBoy tableSmiley Happy. Double cash is sweet. I wish I could run mine up to get max cash back but I cant so I just go after diamondsSmiley Wink

Watch you pockets , Miesterbro may be looking for a cc to buy his breakfast withSmiley Happy

Restaurants is next quarter LOL  Smiley LOL





Message 7 of 29
AverageJoesCredit
Mega Contributor

Re: 2nd Discover IT Approved.

Oh snapSmiley Wink
Message 8 of 29
4theLoveofPoints
Valued Contributor

Re: 2nd Discover IT Approved.

Congrats on the approval!



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 9 of 29
tcbofade
Super Contributor

Re: 2nd Discover IT Approved.

Congrats!

06/01/21 Fico 8: EX 735, EQ 753, TU 757.
06/05/21 Fico 9: EX 726, EQ 740, TU No idea.

Zero percent financing is where the devil lives...
Message 10 of 29
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