WOOOO, I've had a really bad day but came out on top with a new Credit Card!
Story Time. I never recieve prequalifications for anything ever, so I've basically stopped trying. However, for some reason today I felt the need to check discover, and it offered me two cards (Discover IT and Chrome for students) both with a definite APR (18.99). After about 12 hours of telling myself not to I decided to pull the trigger on the app and was instantly approved! SL of 1250, which could be better but also could be worse. Hoping it will grow over time (is recon worth it for the SL or should I just let it grow on it's own?).
Edit: Decided to try for the Chase Amazon card and turn this in to a spree (it was the only other card I wanted) and was instantly approved for $5k WOOOOO
Data points:
EX FICO8 of 702
$5400/$13500 util reporting
4 credit cards (in sig w CLs)
2 accounts opened 2/16, 2 3/17 (AAoA 13 months)
10 total INQ, newest 6 months, most within the year.
$12k in federal student loans (deferred, graduate in 2020)
$24k on an autoloan, opened in Jan
No late payments anywhere
