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

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Valued Contributor

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

Congrats on the second Disco and SL!




Message 11 of 18
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Valued Member

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


@2MuchDebt wrote:

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. 

 

 


When I first read the subject line I thought to myself.. Why would you even want to do that!? You're lowering your AAoA by opening a new account...

Until I saw the SL vs 1st Disco card...

 

Glad you went for it! Congrats on that SL! Gotta love Disco and their tactics *insert eye rolling emoji here*

Message 12 of 18
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Super Contributor

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

Congrats!!! , I have been there, got the "T" shirtSmiley LOL

Message 13 of 18
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Established Contributor

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

Congrats



Message 14 of 18
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Valued Member

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


@M_Smart007 wrote:

Congrats!!! , I have been there, got the "T" shirtSmiley LOL


T shirt??? I didn't get a T shirt! Where do I get said T shirt???

Message 15 of 18
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Super Contributor

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


@thatITguy wrote:

@M_Smart007 wrote:

Congrats!!! , I have been there, got the "T" shirtSmiley LOL


T shirt??? I didn't get a T shirt! Where do I get said T shirt???


I Think @AJC sells ThemSmiley Wink

Message 16 of 18
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Community Leader
Senior Contributor

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

Having dinner otherwise id cut and paste about ABS *again*... Basically the short version.. This doesn't make sense to a lot of us but it does make sense once you realize the risk "bucket" your in is basically tapped out.. but now your eligible for a higher level (lower risk) bucket.. (hence a high new card and requisite CLI)   JUST LIKE CAP ONE....

 

-J

 

Message 17 of 18
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Established Contributor

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

Congrats on the approval! I am hoping to do that in about 9-10 months... I want to get the 10% (5% reward - 5% annual match reward) again!!!

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Message 18 of 18
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