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Discover IT APPROVAL!! What!!?

ozdsa1
Established Member

Discover IT APPROVAL!! What!!?

My hands are still sweating. Here I am sitting at 4:35 AM contemplating what credit card to get next in order to keep rebuilding my credit.

 

I went to pre-qualify page for Discover about 10 times tonight. About 10 times for Amex. Amex was giving me fixed APR. Discover wasn't. What do I do? Panic set in. Do I apply for Discover because Amex pulls EX (632)? Can I get in with Discover with EQ 667? **bleep** it. Going for Discover. Pressed apply, my hands are sweating, am I really doing this?

 

The rest is history.

 

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 $2,000.

 

My only other CC is QS1 which I just PC'd from Capital One two days ago ($1600 CL). Started at $1000 SL and opened 6 months ago.

I have 2 CO's on my account (unpaid) from early 2014 >  Chase $1000, Cabelas $1900.

1 INQ on all 3 CRs. 

 

 

Experian: 634

 

Transunion: 667

 

Equifax: 667

 

 

How the **bleep** did I pull this off?

Thoughts are running through my mind. Thinking about going for AMEX since they are giving me a Fixed APR, but my EX is way lower than everything else.

 

 

Message 1 of 29
28 REPLIES 28
doinit1
Valued Contributor

Re: Discover IT APPROVAL!! What!!?

Congrats!! Welome to the Discover Family....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 2 of 29
ozdsa1
Established Member

Re: Discover IT APPROVAL!! What!!?


@doinit1 wrote:

Congrats!! Welome to the Discover Family....Smiley Happy


Thank you! I can't believe I got approved. I figured the unpaid CO's would really put them off. Maybe it was the low inquiries? I give up on trying to figure out credit card companies.

Message 3 of 29
cgardencredit1
Established Contributor

Re: Discover IT APPROVAL!! What!!?

Congrats on your approval. That is awesome!

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 29
Tigers09
Valued Contributor

Re: Discover IT APPROVAL!! What!!?

Congrats on your Disco approval!
You look to be solid for Amex, too
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 5 of 29
kidink1911
Established Contributor

Re: Discover IT APPROVAL!! What!!?

Congratulations on your approval!

AMEX Platinum- NPSL // AMEX Gold- NPSL // AMEX Delta Platinum- $4,200 // NFCU More Rewards AMEX- $1,000 // Discover IT Chrome- $1,000 // Sunbit Visa- $1,000 // Capital One Venture- $3,550 // AMEX Cash Magnet Card- $1,000 // Venmo Credit Card- $1,200 // Capital One Spark- $500 // Fifth Third Bank MC- $300 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
Goal Transunion Score: 775


Take the myFICO Fitness ChallengeStarting Experian Score: 588
Current Experian Score: 623
Goal Experian Score: 775


Take the myFICO Fitness ChallengeStarting Equifax Score: 554
Current Equifax Score: 627
Goal Equifax Score: 775


Take the myFICO Fitness Challenge
Message 6 of 29
AllCredit
Frequent Contributor

Re: Discover IT APPROVAL!! What!!?

Cognrats and welcom to the Discover Family!

Message 7 of 29
CharlieFoxtrot
Established Contributor

Re: Discover IT APPROVAL!! What!!?

Congratulations!!!!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 8 of 29
ozdsa1
Established Member

Re: Discover IT APPROVAL!! What!!?


@Tigers09 wrote:
Congrats on your Disco approval!
You look to be solid for Amex, too

I thought about it. But, I also read a couple cases on here where individuals were getting denied even with a fixed APR offer on the pre-qual page.

Message 9 of 29
AverageJoesCredit
Mega Contributor

Re: Discover IT APPROVAL!! What!!?

Way to go on getting your Disco onSmiley Happy
Message 10 of 29
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