Re: Discover IT Approval

CreditAggie · ‎03-19-2023

Congratulations on your Discover approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (March 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

nytokyobred79 · ‎03-19-2023

Congrats on your awesome approval.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

TequilaMockingbird · ‎03-21-2023

Scores are suppressed by a C1 chargeoff (paid) which will be on my reports for another 1 1/2 years. Also 2 30-day lates in 2020.

AAOA = 5 yrs

AOOA = 9 yrs

8 inquiries (2 on EXP, 1 on EQ, 5 on TU)

6 under 6 mos, 8 under 12 mos

6 Revolvers

BCP - 0/3000

NFCU Go Rewards - 981/15000

NFCU Cash Rewards - 0/3000

Savor One - 0/3000

Mercury MC - 0/1300

and now, Disco It - 0/14000

Income 147k.

Going to sock drawer Mercury and head into the garden.

MT64 · ‎03-22-2023

Wow, that's an amazing SL! ~Congrats!~

coreyb80 · ‎03-22-2023

Congrats on the approval!

FalconSteve · ‎03-24-2023

@TequilaMockingbird wrote:
On a lark, I applied for the Discover it card. I thought I might be approved for $1000 but would have been delighted with a SL $3-5k. To my surprise, I was approved for $14k.

Experian FICO 8 = 685

That's a heck of a lot more than $1k. How does it compare to your other credit lines? Why did you expect a smaller SL?

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

nuohlac · ‎03-24-2023

Congratulations on your approval!

AQ4245 · ‎05-23-2023

I had BK discharge 2 years ago. CapOne was burned but they were the first to approve me for a Platinum at $500 CL a few days after discharge.

I had been trying Discover's online pre-approval often with denied letters. Today I tried it again and said I was pre-approved for 2 cards. So I slept on it on for a few hours and decided to go for it....approved for 10K!!

I currently have:

-CapOne Quicksiler (UP from Platinum) at 1500CL

-Mercury Card at 2750 CL

And personal loans from Upgrade and Best Egg.

FICO

EQ: 645

EX: 661

TU: 635

$70K/annual income

Chazzay12 · ‎05-24-2023

The monkey behind the scenes hit a bullseye!
Congrats on your very healthy SL!

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge

RealEstateGuy89 · ‎05-24-2023

@TequilaMockingbird wrote:
On a lark, I applied for the Discover it card. I thought I might be approved for $1000 but would have been delighted with a SL $3-5k. To my surprise, I was approved for $14k.

Experian FICO 8 = 685

Congratulations on your Discover It card! I bet you were delighted!

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