Ok I couldn't help it I pulled the trigger LMAO I did the Preapproval, wanted to share my Data Points for those with Higher Utilization so hopefully this helps someone my Siggy does need to be updated before you all freak out LOL but as some of you all may know I did pay several large payments last month dropped my UTL to 65% reporting on EX as of TODAY (I have a subscription with them) so Credit Usage was at 65% today I have no Lates, No baddies, No Collections, my Current EX score is 665 (recently dropped rather large amount due to switching to the 3 year oldest account part) ((I do have a thread about that if you are interested side notes lol)) But was approved for 3K limit I was shook....I was honestly expecting 300, 500, mayyyybe 1k because I know my UTL is still high atm (I have two cards that are on a payment plan but one of those will be paid off before June next year too so I'm just taking my time). I have done the preapproval before with them but it said NO GO for my high UTL which I expected it was at 80 or 81% and I just wanted to see what they would say if I got it under that 79%. So excited you don't understand and I got that pretty light blue I've been Eye-Balling for months now XD. I look forward to continue to drop my UTL and pop these scores back over 750 like they were last year before my home! <3 Sorry for the long post just I just OMG YES! LOL love you guys too because I wouldn't have learned most of what I have if it wasn't for you all!!
Don't forget, 1 year of cash back match 1+1% in non cat spend and 5+5% in the cat spend.
effectively 2% on non-cat spend and 10% cat spend for the first 12 months
(up to the cap)
Also make sure to activate those quarter's when you get your card
One more thing, you should get "0% Intro APR for 14 months on purchases"
@M_Smart007 It did mention the 0% intro APR, I will def put a note to activate them that is something I will need to get used to, and I'm not sure I understand what you mean on the first part Lololol can you explain a little more simpler?!
@Girlzilla88 wrote:@M_Smart007 It did mention the 0% intro APR, I will def put a note to activate them that is something I will need to get used to, and I'm not sure I understand what you mean on the first part Lololol can you explain a little more simpler?!
Category (Quarterly) spend = 5%
Non-Category spend 1% = any spend at any place on anything
Cash back intro period for the first year.
You earn cash back, we match it all your first year
Only Discover® Cashback Match automatically matches the cash back you've earned at the end of your first year.1
@Girlzilla88, Last thing, you eventually can have (2) Discover IT cards if you spend alot,
and double you category max. which I sometime's do.
Before reading myFICO, I did not even know you could have (2) Disco cards.
Have fun spending with your new card over the holidays