Good morning!
I recently was supposed to be gardening. I got a Barclay's at $1,900 in October, and decided to garden. But the allure of the Discover It was too much for me, and I decided to apply. I was approved for $7,500 (my highest limit ever by far) and I was stoked! So I decided to garden.
Turns out one of the worst things I can do as a gardener is to continue to come to this website.
So I came across this thread and I saw the OP apply for and get approved for a Discover It and then a BCE, and I got (playfully) jealous. So I decided that I was going to apply for the BCE to lock in my MSD of 2013. Yes, that reason alone was enough to convince myself to apply, even though I knew I was supposed to be gardening and that I had no business applying for another card, much less an AMEX.
So I applied, not thinking that I would get approved with 4 baddies still lurking on my Experian report along with 4 inquiries and utilization at 37%, but lo and behold, I was approved!
They pulled EX (as usual.) My FICO was 672. Limit of $2,000 at 20.99%. Low limit, high APR, I know, but as usual, I don't plan on carrying a balance, and I do plan on going for 3X CLI twice over the course of the next 8 months. By 61 days from now, 1 or more of the baddies will have fallen off and my utilization should be below 20% (as my $7,500 Discover hasn't reported yet) so with a SP they should see that. By 180 days from then, my report should be 100% clean with >9% util, so I should be gold for another 3X CLI!
Wish me luck!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Starting Score: 639 (Walmart TU)
