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Approved for 2nd Discover IT - after CLI denial on the first

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Established Member

Approved for 2nd Discover IT - after CLI denial on the first

Never ceases to amaze me with CC approvals and denials. 

 

Got approved for a 2nd Disco IT card w/ an 11,100  SL. o% for 18 months (didn't catch how much afterward). Got denied for CLI on the 1st Disco IT, and thought why not see if I'm prequal'd for any Disco offers.  Largest SL and CL I've ever had!  Balance transferred 2k from a Macy's card with high interest to get that paid off quicker. 

 

1st Disco IT has CL of 3,900, with about 50% utilization, and its been open about 12 months. 

 

They pulled EX - but I'm not sure on FICO8 through EX. TU Fico 8 is 719. Overall CC util is about  42% and $48,450 in total CC CL's. 

 

 

Message 1 of 18
17 REPLIES 17
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Moderator

Re: Approved for 2nd Discover IT - after CLI denial on the first

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 2 of 18
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Community Leader
Senior Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

Congrats!! You’re definitely not responsible enough for a few hundred extra on your current card, so have a whole new one with 11k. Makes sense. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 18
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Super Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

Can ya beat that? No CLI but Presto! new card with a really sweet SL! Smiley Very Happy

 

Congratulations on the new 2nd card!

Message 4 of 18
Valued Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

Congrats on your approval of the second card!!! That’s amazing! They only gave me $1000 on my second card. Is it ok if I’m a little jealous?Smiley Wink

"Hover mouse over cards to see CL and APR info"


Message 5 of 18
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Moderator Emeritus

Re: Approved for 2nd Discover IT - after CLI denial on the first

Grats! As to logic ... with Disco it seems the spirits drive their decisions ... enjoy your new credit! Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 18
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Frequent Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

ROFL! 🤣


@pinkandgrey wrote:

Congrats!! You’re definitely not responsible enough for a few hundred extra on your current card, so have a whole new one with 11k. Makes sense. 



🤣🤣🤣ROFL!!

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 7 of 18
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Frequent Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

AwEsOmE!!!!Smiley Very Happy

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 8 of 18
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Valued Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

Congrats! Great starting line 😊
June 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS. $700
.
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 9 of 18
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Senior Contributor

Re: Approved for 2nd Discover IT - after CLI denial on the first

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 10 of 18
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