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Discover 2nd card big SL approval!!!

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shoegal
Valued Contributor

Discover 2nd card big SL approval!!!

My first Disco card never grew beyond the starting limit, and my CLIs were never approved for "not enough experience with credit bureau" so althought the card is part of my DD of cards it was stuck at $1,700 limit since 2017.

 

I checked for preapprovals after the first year, and I was always declined, so I thought this month about probably closing the card and in the future maybe try again for a new card with Disco. Before calling I checked the preapprovals, a few weeks ago, and I had two of them. Smiley Surprised I mentioned that here.

 

I thought about it for weeks and finally pulled the trigger today. I almost fainted when I saw the credit line. I added the screenshot below and data points after that.

disco-app.png

Data Points:

Hard Pull: Experian

EX FICO 08 Score: 685

Util: 6%

Income: $155k

Average Account Age: 7 Years 1 Month
Oldest Account: 15 Years 2 Months

Baddies: 6 paid charge-offs that are 6 years old and will drop in April 2019

 

TLDR: Second Disco it card approved for $13,500 with lowest APR (13.99%), Cashback match, and 0% APR for 14-months for BTs and purchases.

 


Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: Discover 2nd card big SL approval!!!

Ermahgerd! Smiley Very Happy  That's amazing and definitely makes the hiatus from the Garden worth it!

Message 2 of 22
Brian_Earl_Spilner
Credit Mentor

Re: Discover 2nd card big SL approval!!!

Congrats!

You can maybe buy 4 pairs of limited edition Nikes with that limit.
    
Message 3 of 22
UncleB
Credit Mentor

Re: Discover 2nd card big SL approval!!!

That's what I call making a Garden run count!  Smiley Very Happy

 

Fantastic limit, fantastic APR, fantastic all the way around!  Huge Congrats!  screamer.gif

 

puppyboss.jpg

Message 4 of 22
Anonymous
Not applicable

Re: Discover 2nd card big SL approval!!!

Congrats on your approval and Monster SL !!!!!!

 

 

Message 5 of 22
pizza1
Community Leader
Super Contributor

Re: Discover 2nd card big SL approval!!!

Thats awesome!! I would have (almost) fainted too! LOL..

Much congrats on your SL!!
Message 6 of 22
Gmood1
Super Contributor

Re: Discover 2nd card big SL approval!!!

Congrats Shoegal on the fantastic SL with Discover!!! 

Message 7 of 22
kilroy8
Community Leader
Super Contributor

Re: Discover 2nd card big SL approval!!!

Nicely done! Big limit from Disco, who recently said they were tightening those limits in the news. Guess not in your case! Big congrats.

Message 8 of 22
Adkins
Legendary Contributor

Re: Discover 2nd card big SL approval!!!

Nice! That's the way you do it! Congratulations!!

Last HP 08-07-2023



Message 9 of 22
Nova5041
Frequent Contributor

Re: Discover 2nd card big SL approval!!!

Whoa!!!! Very Nice, congrats on the great SL! They must have heard you complain about the no growth on your first card. LOL!!!Smiley LOL


BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 10 of 22
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