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BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

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New Contributor

BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

This has me pretty excited - I was searching through this forum for the best cards after bankruptcy and the DiscoverIT kept coming up, so I looked more into that card specifically.  I had applied with Discover back in Dec and got instant denial.  Hadn't given them much thought at all since...  

 

I decided to take a look at what the pre-approval might say and it gave me a couple options, with exact APRs.   Based on what I had been reading, my EX FICO 8 at 662 and a fairly thin credit profile, it seemed like I was a perfect candidate.  Plus, I read that if the pre-approval gave you a specific APR, it indicated a much higher chance at approval.  So I decided to go for it...  

 

Instant approval and an SL of $9,500.   

 

And I opted for the cool green card.  Smiley Very Happy

 

Some data points:

Chap 7 BK 2009

2 inquiries on EX / 6 on EQ / 4 on TU

EX FICO 8 662 & EQ FICO 9 694

$103,000 income - $1590 rent and $300 car payment.

2 other personal cards - Cap1 @ $1100 CL and an NFCU AMEX More Rewards at $10,000 (but I just got a CLI last week so I am sure it is still reporting $3,900 CL)

Super short personal credit history - Cap1 since Oct 2017 and NFCU since Feb of this year..  But I am an auth user on a couple cards, including a CITI card with a $20K CL

17% Utilization (according to my Discover Scorecard today)

 

Interestingly enough, I have not received notification of a hard pull - maybe because I've been using the Discover Scorecard for 5 months?  We'll see if any show up...   a new card at $9,500 without a HP would be flat out awesome.

 

Just one more card and I swear I'm heading to the garden to hang out....   

DiscoverIT Approval.pngBoom!

 

 

 

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 647 EX - 675 EQ - 691
19 REPLIES 19
Frequent Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

Congrats! Very nice SL. 



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Feb 20, 2019) EQ , TU 713 , EX:
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge



Message 2 of 20
New Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

@benreily  Thank you!  It's my highest starting limit by far...  and much more than I hoped for.  So I'm happy with it....

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 647 EX - 675 EQ - 691
Message 3 of 20
Regular Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

Congrats! That is wonderful. Enjoy it!

Message 4 of 20
New Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500


@austingal wrote:

Congrats! That is wonderful. Enjoy it!


Thank you...  and since I know it's pertinent point, I noted the snazzy green color.  Smiley LOL

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 647 EX - 675 EQ - 691
Message 5 of 20
Established Member

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

Congratulations!  Nice CL to start.  I recently applied and was approved for the Discover IT, and chose the green card too.  I actually got a compliment on the pretty green card from the cashier at the grocery store lol. 

Message 6 of 20
New Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500


@aspenius wrote:

Congratulations!  Nice CL to start.  I recently applied and was approved for the Discover IT, and chose the green card too.  I actually got a compliment on the pretty green card from the cashier at the grocery store lol. 


Thank you!!  I was super happy with the starting limit....  And it appears you have great taste in card color as well - can't wait to see it in person!

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 647 EX - 675 EQ - 691
Message 7 of 20
Valued Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

This is completely unrelated...the CAPS WON!

Anyway, congrats. Great SL.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 8 of 20
Established Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

It appears we've got similar tastes & disco SL luck. Picked up my green IT for $10k last fall and love it, congrats on the approval
Fico8 (Jan '19) - EQ 699 TU 798 EX 798

Message 9 of 20
Established Contributor

Re: BOOM!! DiscoverIT Cash Back APPROVAL - SL $9,500

Congrats. Nice SL. Discover grows with time pretty well





Shell FCU : 5K, Alliant CU Loan : $35000
Message 10 of 20
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