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Discover IT Harrowing Approval $4,000

Auto Loans for ANY Credit Situation. Immediate Response.
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Senior Contributor

Re: Discover IT Harrowing Approval $4,000


@M_Smart007 wrote:

@capableflower wrote:

Congrats! I want this card so bad.


Don't worry, @AllZero  will be along to talk you into it 😂


Lolz

Message 11 of 37
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Senior Contributor

Re: Discover IT Harrowing Approval $4,000


@capableflower wrote:

Congrats! I want this card so bad.


Post up in application forum. Then we'll give you hundreds of suggestions to trade in your lovely ruby jewel.

Message 12 of 37
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Established Contributor

Re: Discover IT Harrowing Approval $4,000


@M_Smart007 wrote:

@capableflower wrote:

Congrats! I want this card so bad.


Don't worry, @AllZero  will be along to talk you into it 😂


LOL There's a lot of that going on around here!

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 13 of 37
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Valued Contributor

Re: Discover IT Harrowing Approval $4,000

Was there any doubt? Interesting though that it wasn't instant, you seem to be right in the Discover zone. Perhaps it was simply a glitch and caused a delay.

 

Congrats!






Message 14 of 37
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Established Contributor

Re: Discover IT Harrowing Approval $4,000


@capableflower wrote:

Congrats! I want this card so bad.


(Love that username!)

 

I hope you get an instant approval, because that waiting game with Discover is a downer. I was searching all over the place and finding a lot of people that recently experienced a lot of various errors with the app process.

 

Sometimes the prequal site even caused a HP, or the prequal would count as a second separate app from the normal app and trigger a fraud alert. All kinds of weird things.

 

I'm sure most get through it just fine, but if it happens to you, don't give up hope too soon like I did.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 15 of 37
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Established Contributor

Re: Discover IT Harrowing Approval $4,000


@Janus wrote:

Was there any doubt? Interesting though that it wasn't instant, you seem to be right in the Discover zone. Perhaps it was simply a glitch and caused a delay.

 

Congrats!


Thanks! But for me, yes, there was a lot of doubt! Only because hours before AMEX had approved me instantly for the highest initial CL so far - $11,500. It took 2 SP CLIs over 1 year to get my Citi Costo to $11,500 from an initial $6,500 CL.

 

I know Discover can't see that recently approved AMEX CL, but they did see a fresh same-day inquiry on EX. That combined with my limited 1yr 2mo total revolving credit history and the '5-7 day' message made me think it wasn't going to go so good.

 

I can tell from looking at many similar profiles to mine that 1 year of payment history on an SSL is definitely not the same as a year of revolving credit payment history. I may have 2yrs 2mo total credit history (short as that is), but it's not as good as with all cards.

 

I really just wanted to post something recent about Discover apps stuck in limbo. I still haven't received a single email from them. I mean, even to just let me know I didn't mistype my email address.

 

 

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 16 of 37
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Senior Contributor

Re: Discover IT Harrowing Approval $4,000

Congratulations CassieCard!!! I told you not to worry that you had this!!! Now you are set.

Let me escort you to the garden... Somebody grab CassieCard a drink! ☺️ She’s had a hard day!










(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 17 of 37
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Frequent Contributor

Re: Discover IT Harrowing Approval $4,000

Congrats!

Message 18 of 37
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Senior Contributor

Re: Discover IT Harrowing Approval $4,000

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 19 of 37
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Established Contributor

Re: Discover IT Harrowing Approval $4,000

Congrats! The Discover It is an awesome card for that first year! It’s essentially a 2% every day card with 10% bonus categories with the first year of cash back match.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $10500 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1500 SL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL - 5% general (6 mos)

Total CL - $68800

Cash Back and SUBs earned as of 1/4/20 - $2088.36

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 1/13/20
739 Experian, 743 TransUnion, 748 Equifax

Goal cards:
Message 20 of 37
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