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DISCOVER(ed) IT

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Established Member

DISCOVER(ed) IT

Finally in the door with Discover.

I only app'd because I thought Discover mostly pulled EQ, but of course, they pulled EX for me.

I really wanted to cool down EX for an upcoming car loan, but oh wells.

 

Here are some DPs for my EX:

Instant approved for 4k @ 18.49%

AAOA : 5y6mo

AAYA : 3mo

AAoA : 2y8mo

INQs : 7

UTIL : 13%

 

When would be a good timeframe for a CLI?

Chase Sapphire Reserve $10,000
AMEX Amazon Business Prime $8,000
Chase World of Hyatt $5,000
Chase Freedom Unlimited $4,700
Capital One Quicksilver $4,500
Discover IT $4,000
PayPal Credit $4,000
Citi Double Cash $3,400
BoA Cash Rewards $2,000
FNBO Ducks Unlimited $1,000
Message 1 of 14
13 REPLIES 13
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Senior Contributor

Re: DISCOVER(ed) IT

Congratulations on your approval!
Message 2 of 14
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Established Contributor

Re: DISCOVER(ed) IT

Congratulations!! I think after the third statement cuts is a good to to ask for your first CLI. Luckily it's just a SP. 



February 2020:

Stats:
Message 3 of 14
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Established Contributor

Re: DISCOVER(ed) IT

Congratulations on your approval.

 

I would wait until after the 3rd or 4th statement cuts. They will need time to get use to you.

 

 

February 2020
Experian Fico 8. 682
Transunion Fico 8. 697
Equifax Fico 8. 709

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Message 4 of 14
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Regular Contributor

Re: DISCOVER(ed) IT

Congrats on the approval 

Message 5 of 14
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Super Contributor

Re: DISCOVER(ed) IT

Congrats!

Message 6 of 14
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Established Contributor

Re: DISCOVER(ed) IT

Congrats on the approval, it seems to be safe to ask after the 3rd statement. 

 

My CLI came after my 6th statement cut.








Message 7 of 14
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Established Contributor

Re: DISCOVER(ed) IT

Congratulations on your approval! 👍





INQ's: EQ: 0 TU: 0 EX: 0 (last 12 mo.)
Recent Accounts: 1 (last 24 mo.)
Total CL: 14.95k Util. 0% AAoA: 2 yrs, 1 mo.
AoOA: 2 yrs, 6 mo. AoYA: 1 yr, 5 mo. 100% PIF.





Goal Cards:


myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 8 of 14
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Community Leader
Mega Contributor

Re: DISCOVER(ed) IT

Thats a good slSmiley Happy CongratsSmiley Happy

Message 9 of 14
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Moderator

Re: DISCOVER(ed) IT

Grats on the Discover card. 4-6 months on the CLI is good. Show use and pay it off for best results.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 10 of 14
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