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Discover Approved

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Woofuls_Mom
Established Member

Discover Approved

Happy New Year to Me!  Was approved for a Discover Cash Back card on 1/1. I have a pretty recent ch 7 so I was super happy on this one to add to my rebuild.  For months it was showing only the secured card and I did my usual 1st of the month pre-approval try and the unsecured showed up.  I'm super happy with the limit and I did not get the highest APR.  Small victories for now while I garden. 

 

SL:  $5,000

EX:  675

Filed: 1/31/25 and Discharged 7/25

 

Message 1 of 8
7 REPLIES 7
BrutalBodyShots
Established Contributor

Re: Discover Approved

Congrats on your approval and thank you for the additional information! It would seem that perhaps you achieved some element of time metric since the BK that since satisfied resulted in your ability to acquire the card.

 

Also as an aside, if you are paying your statement balances in full monthly (responsible revolving credit use) you never pay a penny of interest at all, thus rendering APR irrelevant.

Message 2 of 8
Vinjints
Established Contributor

Re: Discover Approved

I think that's pretty impressive. 6 months out and you've already got a 5k card that can give some decent rewards. 

NFCU Flagship (Daily 2% + Travel) | USAA Rewards (AoOA = 26y)

Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 784 | EQ(F8) 801 | TU(F8) 800 | EQ(F9) 823 | EQ(BC8) 815

On the Radar: Langley | Kroger | AmEx | Discover

Message 3 of 8
Woofuls_Mom
Established Member

Re: Discover Approved

I don't plan on ever carrying balances but it's a good data point to know that even with a recent bk that you don't automatically get the worst interest rate. 

Message 4 of 8
Woofuls_Mom
Established Member

Re: Discover Approved

Yeah I already had 3 rebuilders already with low limits ($2500, $2500, $1000) so this was a little bit of a surprise they would give me double my highest limit.  I'm planning to garden until Cap One lets me back in, lol.  

Message 5 of 8
JoeRockhead
Community Leader
Super Contributor

Re: Discover Approved

Very nice, congratulations on your approval! 

Message 6 of 8
cashorcharge
Community Leader
Super Contributor

Re: Discover Approved

Congratulations on your Approval!!👏🏼🍾🥂

Message 7 of 8
CreditAggie
Community Leader
Super Contributor

Re: Discover Approved

Congratulations on your Discover approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (January 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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