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Discover Graduation + Bofa Cash Rewards Instantly Approved

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Member

Discover Graduation + Bofa Cash Rewards Instantly Approved

 

 After re-establishing my credit roughly one year ago with a Discover secured credit card I now have an unsecured Discover card of $1.5k and just today acquired a Bofa cash rewards card for $1.4k.  Discover graduated me soon as my TU FICO hit 621 (which was also right around that 6 month mark) and bumped me from $200 to $500. 3 months later they CLI again to $1.5k.

 

 My first instant approval happened today with Bofa, to my pleasant surprise.  Now I intend to garden for the next few months and then maybe go for a Chase card. Last I checked I have 0 TU inquiries and 1 Equifax (from Discover), not sure on Experian. The Bofa app will add another inq somewhere.  Thanks for all the advice you guys give on here, it has really helped Smiley Happy

08/07/17 - 592 TU, 02/07/18 - 767 TU
Discover $1.5k, Bofa $1.4k
Message 1 of 7
6 REPLIES
Frequent Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Congrats on you graduation and new BOA account! Trying to decide if I should go the secure route to get in with Discover. 

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 2 of 7
Established Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Nice work.  Congrats 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 3 of 7
Frequent Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Nice!  congrats man.

Starting Scores: EQ 614 TU 603 EX 623


 money-mouthGoal Score - 800 Clubmoney-mouth


 FICO 8 as of 5/118/18   Utilization 5/18/18


NPSL AMEX SPG 5K Amex Everyday Blue $4k 20K Discover IT $7,700 Cap1 QS $7kAmazon Prime Card 10kHSN Card 4.8KFurnRow 2k

Message 4 of 7
Established Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Nice going. The Cash Rewards is a very solid offering.


April 2017 FICO 8 Scores - EX 696 | EQ 621 | TU 655
April 2018 FICO 8 Scores - EX 740 | EQ 761 | TU 742
Message 5 of 7
Community Leader
Super Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Super job, slow and steady. 2 very good cardsSmiley Happy

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 6 of 7
Frequent Contributor

Re: Discover Graduation + Bofa Cash Rewards Instantly Approved

Congratulations on getting your BofA card and SL! Glad to read that yetanother person got un-secured and got a some auto CLI with Discover. Both CL on the cards will grow over time and will help you in to get the cards you want from Chase or someone else.

Message 7 of 7