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Approved for Discover IT

iGotchi
Member

Approved for Discover IT

So a little background. In December of 2012 I applied for the Chase Freedom, and got approved with a $500 CL. Today, I applied for the Discover IT card and got approved with a $9500 CL. Talk about a huge difference in CL! Smiley Surprised Now if only Chase would give me an Auto CLI to something similar to my new Discover card! Anyways, I'll be gardening and wait to apply for the CSP and BCE next year. Thanks for reading! Smiley Happy

myFICO: EX 724 EQ 728 TU 705


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Message 1 of 11
10 REPLIES 10
ihatemyscore
Frequent Contributor

Re: Approved for Discover IT

That is a beautiful CL!
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 2 of 11
kevinjjc
Valued Contributor

Re: Approved for Discover IT

Nice, congrats! What other credit cards do you have? I'm starting to think that Discover like applicants who are just starting out with credit cards.

Message 3 of 11
iGotchi
Member

Re: Approved for Discover IT

The Chase Freedom is my first ever credit card, and I now have 2 credit cards with the Discover It.

myFICO: EX 724 EQ 728 TU 705


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Message 4 of 11
SnackTrader
Valued Contributor

Re: Approved for Discover IT

Great limit!!! Maybe I should try Discover if they are handing out that type of money...


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 5 of 11
kevinjjc
Valued Contributor

Re: Approved for Discover IT

Thanks for the feedback. Your success with the Discover it card with a relatively thin file supports my thinking that Discover likes applicants like you. Smiley Happy I'm actually trying to convince a coworker to app for the Discover it card, his credit profile is similar to yours. I'm going to show him this thread. Maybe it will finally push him to go for it!!! Smiley LOL

Message 6 of 11
ObeyJohnny12
Established Contributor

Re: Approved for Discover IT

Wow. Congrats! Are those your only cards?
Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 7 of 11
shakalaka
Established Contributor

Re: Approved for Discover IT

Wow what great starting limit

 

Congrats



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 8 of 11
iGotchi
Member

Re: Approved for Discover IT


@ObeyJohnny12 wrote:
Wow. Congrats! Are those your only cards?

Yes, those are my only two cards. 

 


@kevinjjc wrote:

Thanks for the feedback. Your success with the Discover it card with a relatively thin file supports my thinking that Discover likes applicants like you. Smiley Happy I'm actually trying to convince a coworker to app for the Discover it card, his credit profile is similar to yours. I'm going to show him this thread. Maybe it will finally push him to go for it!!! Smiley LOL


FWIW, I do have installment loans (Auto(9 months old) and Student(Started repayment 3 months ago)). I have never missed a payment for either one. But yea, my revolving credit history is relatively thin. Also, I applied with a pre-approval letter from Discover. 

myFICO: EX 724 EQ 728 TU 705


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Message 9 of 11
Epcot
Valued Contributor

Re: Approved for Discover IT

Congrats on the approval and great CL!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 815 TU 816
Message 10 of 11
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