cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Established Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

+1

 

Congrats, OP on the QS1!





Starting Score: 489
Current Score: 724
Goal Score: 740


Take the myFICO Fitness Challenge
Message 21 of 28
Highlighted
Super Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?


@jasonfweb wrote:

Ok, thanks to all of you. No FTF is actually very useful to me.

 

I applied to the CapitalOne QuickSilverOne ang got approved with a $2000 credit limit! Yay!


Congratulations. It's an excellent card.

 

And it will grow.

 

 


Total revolving limits 649500 (568000 reporting)
FICO 8's EQ 710 TU 733 EX 717



Message 22 of 28
Highlighted
Valued Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

Congrat! That's a great starting limit. Take a look on the forums for CLI's prior to credit steps kicking in. Usually after 2-3 statements cut.

back to a seedling 3/17/18
Message 23 of 28
Highlighted
Established Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?


@ksb1 wrote:

@jasonfweb wrote:

PS: Capital One prequalifies me with the Quicksilver card (1.5% casback, $39 annual fee) both if I put average credit or rebuilding credit (since I've been denied a credit card in the last 3 months). 


Try it again and put in Excellent credit.  Capital One's definition of Excellent is making on-time payments for like 6 months and it looks like your Discover is older than that.  If it comes up with the QS (no annual fee), Venture or VentureOne, I would apply for one of those. 

 

The QS1 is a really good card, straight up 1.5% cashback.  I was able to get the card upgrade to a QS WMC with no fee after 9 months.  So the card can grow as your profile ages.  You might be disappointed with your starting limit but it will be enrolled in Credit steps and many people including myself have gotten a CLI at 3 months AND the credit steps increase.

 

Did anything come up on Amex?  Do you know your EX score?


Sometimes I wonder about Cap1's prequal page and if they are pulling old data. I cant prequal for anything other than subprime cards and at the moment my lowest CL is $5K with discover. No derogs either. But granted my oldest card is 1yr and 5 months old and my AAOA is at about 1 year. I have seen others with AAOA similar to mine get better prequals from Cap1. They are one creditor I just cant figure out. I probably have a better chance cold apping. My VentureOne was via cold app.



|| TU08: 762 || EQ08: 775 || EX08: 772 ||



Message 24 of 28
Highlighted
Frequent Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

I think they do pull old data

They kept qualifying me for a platinum and QS1. Even when I put in excellent credit.

Message 25 of 28
Highlighted
Frequent Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?


@jasonfweb wrote:
...I made that hard inquiry before this month's statement, and Discover reports that my FICO score went up from 746 to 750. Is the hard inquiry taken into account in there?

The Chase hard pull was likely EX or EQ - your Discover FICO is using data from TU.

Congrats on the Cap1 card!


Message 26 of 28
Highlighted
Valued Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

Congrats on your approval! QS1 was my first Cashback card!
Message 27 of 28
Highlighted
Valued Contributor

Re: Citi Double Cash with FICO 750 and only Discover IT card since October, should I apply?

Congrats to you !!!

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 28 of 28
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.