Discover Card Approved

[Anonymous]

Resetting my date.  I got a mailer, and I had to take it.  I am slightly perplexed as none of my monitoring sites have reported a hard pull.  But this was a solid prequal offer  (14 months 0 and 19.24 after) and I pulled the trigger.  Id also add that the limit on this one card is higher than all of my visas and mastercards combined (90 percent of my ACL is in store cards, my bankcard limit up until this was a total of about 3200).  I am quite pleased.  This is the card ive been needing, the higher limit cashback daily driver.  Now I can put the QS1 in the SD until I can combine it. 

Congratulations!
You're approved for a Discover® Card.

Welcome! Soon you'll be getting cash rewards on everything you buy with your new card.
So watch for it in the mail - then activate it right away.

Your credit line is $3,500.

If you receive a cash advance credit line it will be less than your total credit line
and the amount will be provided to you with your new card.

[UncleB]

Congrats on the approval, @Anonymous! 

[dsotm76]

Congratulations!!  

You said that you did it based on a mailer.  Did the mailer have a set rate or a range of rates?  I received a mailer myself about a week ago with a range of rates far lower than the set rate the prequal on the website gives me.  Also, what are your DPs? Enjoy the new card!!

[Anonymous]

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@dsotm76 wrote:

Congratulations!!  

You said that you did it based on a mailer.  Did the mailer have a set rate or a range of rates?  I received a mailer myself about a week ago with a range of rates far lower than the set rate the prequal on the website gives me.  Also, what are your DPs? Enjoy the new card!!

---

19.24 ongoing after 14 month intro was the stated value and the one i received.  There was a disclaimer stating the rate could vary upon final approval, which it did not.

Total household income of about 50k(42k net), total liabilities (auto loan and credit card debts) of about 9500.  Total assets (cash/cash equivalents) approximately 4000.  I could pay off most of what I owe right now, but I dont like touching the rainy day fund =D

I have 17 accounts in the last 2 years, no negatives on equifax (one old collection on TU and EX from 2012, due to drop off in about 15 months), oldest account 4 years, AAoA 8 months, 20+ inqs in the last year, none in the last 3 months (i was just about to hit the 90 day gardening mark)

I am very store card heavy with total credit limits of about 35k, most of which is tied up in Synchrony and Comenity backed cards, aggregate utilization of 13 percent, of which most is on one card sitting at 56 percent (my citi best buy at 1100/2000)

My current scores are listed in my signature, and I assume this was based on an Equifax pull due to the offered interest rate being under 20.

[dsotm76]

Thank you so much for the reply and the DPs.  I wanted to compare.  My mailer had a range on it and when I put in the invite code, it still had a range that was higher than my mailer.  I also like comparing my points as well.  Discover just doesn't have much love for me.  I'll probably check back with them in three months after my new "flowers" are watered and showing a little bloom.  

[Anonymous]

OP,

At the beginning of the month when I was denied by Discover even though I was pre-qualified through their website, there was no HP on my report.  I thought there was a delay from the agency but it turned out no HP whatsoever.  

[thummel]

Congrats on your approval! Discover is a great card to have

[shoegal]

Congrats!🎉💁🏽🍾 And, great card color!!

[Anonymous]

Congrats... Way to rock out Discover.  Nice SL. 

[Anonymous]

Congrats on the approval. Give Disco love and they will return the favor. Since the Equifax breach Disco has been issuing lots of cards with SP only.