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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
Valued 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 BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
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
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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

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 ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 7 of 18
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 ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 8 of 18
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Established Contributor

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

Congrats! Great starting line 😊
February 2020
Experian Fico 8. 683
Transunion Fico 8. 697
Equifax Fico 8. 711

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

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!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



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