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Discover IT Approval

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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎03-19-2023 11:08 PM
‎03-19-2023 11:08 PM

Re: Discover IT Approval

Congratulations on your Discover approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 21 of 33
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nytokyobred79
Valued Contributor
‎03-19-2023 11:32 PM
‎03-19-2023 11:32 PM

Re: Discover IT Approval

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- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
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 $72K
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
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K
Message 22 of 33
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TequilaMockingbird
Member
‎03-21-2023 03:15 AM
‎03-21-2023 03:15 AM

Re: Discover IT Approval

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.

 

Message 23 of 33
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MT64
New Contributor
‎03-22-2023 05:34 AM
‎03-22-2023 05:34 AM

Re: Discover IT Approval

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

Message 24 of 33
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coreyb80
Super Contributor
‎03-22-2023 07:15 AM
‎03-22-2023 07:15 AM

Re: Discover IT Approval

Congrats on the approval!

Message 25 of 33
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FalconSteve
Valued Contributor
‎03-24-2023 03:14 PM
‎03-24-2023 03:14 PM

Re: Discover IT Approval

@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
Message 26 of 33
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nuohlac
Valued Contributor
‎03-24-2023 06:12 PM
‎03-24-2023 06:12 PM

Re: Discover IT Approval

Congratulations on your approval!




Message 27 of 33
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AQ4245
New Visitor
New Visitor
‎05-23-2023 10:39 PM
‎05-23-2023 10:39 PM

Re: Discover IT Approval

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 

Message 28 of 33
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Chazzay12
Frequent Contributor
‎05-24-2023 04:59 AM
‎05-24-2023 04:59 AM

Re: Discover IT Approval

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

Discover It (Student) $1500 | Capital One QS $2900 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000 | USAA $4,000 | Lowe’s $12,000
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2026: EX 729, TU 728, EQ 726
Goal:being debt free. working on paying high utl cc debt. I’ve paid off 20k debt, 7k remaining. All baddies have fallen off.

Take the myFICO Fitness Challenge
Message 29 of 33
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RealEstateGuy89
Frequent Contributor
‎05-24-2023 08:45 AM
‎05-24-2023 08:45 AM

Re: Discover IT Approval

@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! 

Message 30 of 33
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