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.