Discover IT Approval!

masscredit · ‎01-31-2018

I didn't plan on applying for a Discover card. Actually, I didn't think I'd have one again because they were part of my BK in 2009. I saw an ad for them earlier so I stopped into their website to see what the pre-qualification page would say. It said I should be approved for the IT or IT Chrome card. I did some research here and found that members have had a lot of good things to say about the card. Great rewards and it seems to grow quickly so I went for it. My SL is $6K. Not as high as I wanted to see but I think it will easily be over $10K by the end of the year.

For reference, my scores are in the 740 range and I have 2 cards out of 10 reporting. Utilization is about 15%.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500

Anonymous · ‎01-31-2018

Congrats.

Anonymous · ‎02-01-2018

Nicely done.. Congrats on your approval.

MartyWrite75 · ‎02-01-2018

Congrats!!

April 2024: Experian 772; Equifax 779; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

imaximous · ‎02-01-2018

Congrats! I also burned them in my 2011 BK 7. When I applied, they gave me 5k SL. I've had it for a couple of years and it's at 8.5k now. It could be higher, but it's mostly because I don't really use it much. Just a few bucks every few month or so. First, I got an auto CLI to 6k, then 7k, and last week, I actually requested a CLI and went up to 8.5k with a SP. In a few months I'll see if I can get it to 10k, and leave it alone.

Anonymous · ‎02-01-2018

Congratulations! I am thinking about getting this card as well. They have great customer service.

JoeLuvsHisCredit · ‎02-01-2018

CONGRATS

masscredit · ‎02-11-2018

I was just looking at my Discover paperwork. They pulled EQ (it was a SP). My score was 744.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500

Anonymous · ‎02-11-2018

Congratulations! Enjoy your new card!

kilroy8 · ‎02-11-2018

They usually give 0% interest on purchases for the first six months, and the first year they do the cash back match, instead of a SUB. That is really smart because they don't have to claw back a SUB from a deadbeat that stiffs them after the bonus is spent. You have to stay in good standing for really 13 months to get your bonus.

Congrats on the card!