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Discover Approval! And a question

furthur
Contributor

Discover Approval! And a question

After years of nothing on the Discover Pre-approval site, this morning I was suddenly pre-approved for the It and Chrome!

I applied for the It and was instantly approved for $1,000.

While I was planning on holding out for a Citi Premier card to pair with my Double Cash for TYP awards, that's going to have to wait a little longer now... But I'm thinking the cash back match and 14-month 0% apr may be more lucrative while I wait and garden for the Premier.

One question I have is, my first card ever was a Secured Discover It with a tiny $200 limit. This is almost 5 years old now and never was graduated. Now that I have an unsecured Disco is it possible they'll unsecure or combine it? I'm not sure if it's worth canceling since it's my oldest card.
Message 1 of 9
8 REPLIES 8
Obscure-Expert
Valued Contributor

Re: Discover Approval! And a question

I would keep the old one and when it unsecures keep checking for a CLI.  When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time.  The requirement is having a CLI available to do it.  They'll combine them and then give yout he pending CLI on top of it.

 

Oh, and use the secured card monthly to get it to unsecure.  Throw a small monthly bill on it and setup autopay for the staement balance.

500K+ TCL / 800+ FCOs
Message 2 of 9
randomguy1
Valued Contributor

Re: Discover Approval! And a question

Suggest using the chat feature if you are adverse to talking on the phone or call them up. They are generally a friendly lot. 

Message 3 of 9
GApeachy
Super Contributor

Re: Discover Approval! And a question


@Obscure-Expert wrote:

I would keep the old one and when it unsecures keep checking for a CLI.  When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time.  The requirement is having a CLI available to do it.  They'll combine them and then give yout he pending CLI on top of it.

 

Oh, and use the secured card monthly to get it to unsecure.  Throw a small monthly bill on it and setup autopay for the staement balance.


Hmmmm, very interesting as I was trying to decide to close my secured to unsecured card, then apply later.  But now that you said ^^^that I may hang on to this one and try it myself.

Congrats and Good Luck OP!

"My Take Home Pay Don't Take Me Home"
Message 4 of 9
tbque
Valued Contributor

Re: Discover Approval! And a question

Congrats on the new Disco card!





Message 5 of 9
M_Smart007
Epic Contributor

Re: Discover Approval! And a question

 

Congrats on yer it!

 

 

Message 6 of 9
AnimalHouse121
Valued Contributor

Re: Discover Approval! And a question

Congrats on your new Disco card!!
Message 7 of 9
SEAlifer
Established Contributor

Re: Discover Approval! And a question

Congratulations!

AU


Message 8 of 9
furthur
Contributor

Re: Discover Approval! And a question


@Obscure-Expert wrote:

I would keep the old one and when it unsecures keep checking for a CLI.  When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time.  The requirement is having a CLI available to do it.  They'll combine them and then give yout he pending CLI on top of it.

 

Oh, and use the secured card monthly to get it to unsecure.  Throw a small monthly bill on it and setup autopay for the staement balance.


If I end up combining the two, which account age stays?

 

Also, I didn't even think about this at the time, but the cash back match says it's for new cardmembers only. Because I got the secured card 4 years ago does this mean I'm not eligible? Or did enough time pass that I may be eligible again?

Message 9 of 9
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