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Discover Card Approval

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Discover Card Approval

Close friend just got instant approved for Discover IT Chrome with 648 Experian, 653 Fico 8 bank. Limit of 1250.00, has 5 collection, one recent late payment, 48% utilization, 4 inquiries. Only has credit one card and milestone card previous to discover approval. She did pre qual on discover site before submitting, one hard pull from Experian.

What’s do you think her next card app should be? Capital says no pre approvals, any ideas ?
6 REPLIES 6
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Super Contributor

Re: Discover Card Approval

Congratulations on DF approval!
Message 2 of 7
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Super Contributor

Re: Discover Card Approval

If DF is not getting any prequal from Capital One, it's a sign not to app.

That delinquency and collections probably will hinder approval odds.
Message 3 of 7
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Community Leader
Senior Contributor

Re: Discover Card Approval

Congrats on the approval. As for what’s next - nothing. She needs to work on the derogs, try and clean things up as much as possible before apping for anything else. As a thin file holder, she needs to let Disco age at least six months - working on the reports in the meantime will keep her busy and pass the time. Have her check the Rebuilding forum for help, pay down her balances, and work on clearing those negatives and she will be in great shape for her next card.



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

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Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 4 of 7
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Established Member

Re: Discover Card Approval

Thanks for the feedback I’m in agreement. Shocked with the discover approval...
Message 5 of 7
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Super Contributor

Re: Discover Card Approval

 

Congrats on the new Disco card!

 

Message 6 of 7
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Super Contributor

Re: Discover Card Approval


@myankee79 wrote:
Close friend just got instant approved for Discover IT Chrome with 648 Experian, 653 Fico 8 bank. Limit of 1250.00, has 5 collection, one recent late payment, 48% utilization, 4 inquiries. Only has credit one card and milestone card previous to discover approval. She did pre qual on discover site before submitting, one hard pull from Experian.

What’s do you think her next card app should be? Capital says no pre approvals, any ideas ?

List out the collectons and lets see who will PFD. The approval will lower her util some. But dont know what her total credit line is to know how lower the util will go to. Need to get those 2 vulture fee cards PIF. And use the Disco for the AZEO card. Have her always PIF each month on those 2 cards. Time will do the rest.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 7 of 7
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