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DD Disco Approval! Her first line of credit.

JNA1
Valued Contributor

DD Disco Approval! Her first line of credit.

My daughter recently turned 18, and is starting college in the fall. When I first learned about this forum nearly 2 years ago, I added her as an AU on a couple of my cards. Fast forward to now, we signed her up for a Credit Karma account just see if she had anything in her profile. To my surprise because of the nearly 2 year payment history, her TU Vantagescore was 748. We did a few prequals, and Disco gave her a preapproval for the Student It and the Chrome Card. She applied, and they gave her a $1500 unsecured credit line. 

I explained to her that she is off to a start in her credit journey that many people could never get. She's going to use to and pay it off month like she's being doing my cards for a while. 
Then she asks "Hey Dad - if one of the other cards has better cashback than mine does, can I still use yours?"  
I won't lie - it almost brought a tear to Dear Ol Dad's eye! 😂😂0377186A-CBA5-4CD0-B05C-253D9A35AC0A.jpeg

 

My credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $279,950
Cash Back and SUBs earned as of 6/1/21- $6336.35

CU Memberships

Goal Cards:


Message 1 of 19
18 REPLIES 18
KingRue8500
Valued Contributor

Re: DD Disco Approval! Her first line of credit.

Congrats to DD's Discover approval




Message 2 of 19
Elpadrino1
Established Contributor

Re: DD Disco Approval! Her first line of credit.

Congratulations to your daughters Disco CC approval!!

Message 3 of 19
Mr_Mojo_Risin
Senior Contributor

Re: DD Disco Approval! Her first line of credit.

Super cool news for you and DD. 

She's gonna have a myFICO account next 🤣

 Cheers to yours!

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 4 of 19
blindambition
Community Leader
Senior Contributor

Re: DD Disco Approval! Her first line of credit.

Congrats to DD on the Disco approval!!! You got her started down the right path.

Smiley Happy

Message 5 of 19
SoCalGardener
Established Contributor

Re: DD Disco Approval! Her first line of credit.

Congratulations on two counts: one, your daughter's Discover approval and, two, you (and I'm assuming your wife) raising her to be financially responsible. She sounds like she's off to a great start!

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardAmerican Express Platinum CardBank of America Cash Rewards CardCapitalOne Quicksilver MastercardCapitalOne Quicksilver Visa CardCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards CardSynchrony Home Card
Message 6 of 19
JR_TX
Valued Contributor

Re: DD Disco Approval! Her first line of credit.

Congrats to DD! 

My daughters too started with Disco. 

New cc TLs : 0/6 ; 1/12 ; 2/24
HPs EX 2 EQ 3 TU 1
AAoA 5y10m
UTIL 1% - 3%
$240K+ Total Limits




Message 7 of 19
JNA1
Valued Contributor

Re: DD Disco Approval! Her first line of credit.


@SoCalGardener wrote:

Congratulations on two counts: one, your daughter's Discover approval and, two, you (and I'm assuming your wife) raising her to be financially responsible. She sounds like she's off to a great start!


Yes, she's taken an interest in learning about it and she saves a lot good bit of her money from her job. The only sad part is for me that she'll probably get a Discover CLI before I will! 😂😂

 

Congrats on yours, BTW! 👍

My credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $279,950
Cash Back and SUBs earned as of 6/1/21- $6336.35

CU Memberships

Goal Cards:


Message 8 of 19
babygirl1256
Valued Contributor

Re: DD Disco Approval! Her first line of credit.

Congrats on your DD's Disco approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 9 of 19
CreditAggie
Super Contributor

Re: DD Disco Approval! Her first line of credit.

Congratulations on DD's Discover approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 10 of 19
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