Every week I have been receiving invitations to apply for the discover IT card. Finally pulled the trigger last night and got the 5-7 day message review. Tried to Call Discover but they were closed. I called this morning and they verified my information and approved me for $4000. I have had credit history for less than a year but from what I learned from the forum brought me a long way. Below is my history
1. Oct 2012 I became an AU on my parents AMEX Green.
2. Started working in January 2013 and bought a car with a cosigner so it shows as a Joint account in my CR
3. In March 2013 I was approved for my own Amex Green card and also opened 2 secured credit cards with Wells Fargo and BOA for $500 each
4. June 2013 I leased a car through toyota financing
4. I have a total of 10 inquires on my report from the car purchases
5. Salary is 70k
6. AAOA is 0.8
7 Utilization is 5%
Amex Green Card (NPSL) 03/13 - BOA ($7200) 03/13 - WELLS FARGO ($500) 03/13 - DISCOVER IT ($5800) 12/13 Amex delta gold ($18,400) 1/1/14. Amex Gold Business Card (NPSL) 1/2/14. Chase Freedom($7900) 1/9/14 NavyFederal ($25000) 1/16/14 Best Buy ($1000) 8/4/14 Barclays Arrival Plus($12500) 1/29/16 Chase CSP($20000) 1/29/16 Penfed Platinum Rewards ($16000) 1/29/16 NavyFed goRewards ($5000) 1/29/16.
Credit Score EX- 760 EQ- 735 TU- 763 Oldest account 3.2yrs aaoa 2.2 yrs.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
