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Approval For Discover IT and Citibank TY Premier

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New Member

Approval For Discover IT and Citibank TY Premier

Thanks to this community I have spent months educating myself about credit, scores and applications.  The hints about the prequal visuals on line were very valuable.

I was just approved using prequalification @ Discover (13k) and Citi. (9.3k) I have been rebuilding my credit for years (it seems)using a credit repair service and then using my credit conservatively. I was worried I would not be approved as my scores are all over the place.  Decided to take the plunge after reading all of the comments. Was so surprised and happy!! Smiley Happy Want to get an Amex next - I used to have a platinum that I loved but I am  going to hang tight now and head to the garden. Any other suggestions to build credit please let me know.  I have some old negatives that I am still trying to expunge.

 

12 REPLIES 12
Senior Contributor

Re: Approval For Discover IT and Citibank TY Premier

Congrats on both Approvals

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 2 of 13
Community Leader
Senior Contributor

Re: Approval For Discover IT and Citibank TY Premier

Congrats on both approvals! 

AMEX Platinum, Gold, Reserve & SPG | PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I
Message 3 of 13
Community Leader
Super Contributor

Re: Approval For Discover IT and Citibank TY Premier

Congrats on your two new cards!

Message 4 of 13
Community Leader
Super Contributor

Re: Approval For Discover IT and Citibank TY Premier

OP, welcome and congrats on your approvals.

Fyi, we do not advocate what you did with your credit reports here at myFico ( freezing or intentionally blocking a report to force another cb to be used), as creditors should have access to the reports they need to access and judge your credit worthiness. Please respect the TOS . Thank you for your understanding.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 13
New Member

Re: Approval For Discover IT and Citibank TY Premier

AJC

Thank you for your comment. I changed my original post to reflect your concerns and to not seem to be encouraging a practice

frowned upon in the forum. 

 

Message 6 of 13
Established Contributor

Re: Approval For Discover IT and Citibank TY Premier

I am brining my scores up to hit the 10K mark on at least one card. I have an existing Discover card which i just got a 500 dollar increase after two years. I now see i am pre-approved for another Discover card. Do you know which bureau they pulled? Was it Equifax for new accounts?





Shell FCU : 5K, BBVACompass Express Loan : $35000
Message 7 of 13
New Member

Re: Approval For Discover IT and Citibank TY Premier

Yes I believe it was Equifax. Good Luck!

Message 8 of 13
Established Contributor

Re: Approval For Discover IT and Citibank TY Premier

Congrats on both cards!

Discover appears to be really showing the love on their SL instant approvals Smiley Happy



Currently in BK7 awaiting MOC
Message 9 of 13
Frequent Contributor

Re: Approval For Discover IT and Citibank TY Premier


@bepink5 wrote:

Yes I believe it was Equifax. Good Luck!


From my understanding, Discover likes to pull EQ for qualification.

 

HOWEVER, BEWARE -- Discover likes to use TU for account reviews.

 

I had an almost 10 year old Discover card shut down down about a year or so ago due to this-- my EQ score was well above 720 yet my TU was, at that time, almost 150 lower.  Despite my 100% perfect payment history with Discover for almost 10 years, Discover balance chased me for two months and then just shut down my card and there was nothing I could do.

 

Thanks!

Message 10 of 13
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