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Discover IT & AMEX Cash Magnet Approvals

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Adalen
Frequent Contributor

Discover IT & AMEX Cash Magnet Approvals

I'm re-rebuilding, so my scores are low (high for me) due to two recently PIF charge-offs and high (low for me Smiley Very Happy ) utilization. But I check pre-quals periodically and decided to pull for Discover and AMEX since I have never had their cards before.

 

Discover IT Cash Back approved: $9500

American Express Cash Magnet approved: $2000

 

Scores: EQ 675 - TU 686 - EX 664

Prior, I had 4 inquiries: 1 on EQ, 1 on TU, 2 on EX

 

I'll probably take advantage of Discover's 0% for 14 months BT offer for the last remaining debt I have, which will likely be paid off by summer, and may use the AMEX for car rental plans I have for next month. Other than that, they will not get much use until summer.

 

Update: both pulled Experian, 4 point hit down to 660.


Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: Discover IT & AMEX Cash Magnet Approvals

Congratulations!!! Always be proud of what you've accomplished so far Smiley Happy Good idea to take advantage of the 0% APR just make sure to remember when you to start paying it down to avoid interests.. Good Morning!

 


@Adalen wrote:

I'm re-rebuilding, so my scores are low (high for me) due to two recently PIF charge-offs and high (low for me Smiley Very Happy ) utilization. But I check pre-quals periodically and decided to pull for Discover and AMEX since I have never had their cards before.

 

Discover IT Cash Back approved: $9500

American Express Cash Magnet approved: $2000

 

Scores: EQ 675 - TU 686 - EX 664

Prior, I had 4 inquiries: 1 on EQ, 1 on TU, 2 on EX

 

I'll probably take advantage of Discover's 0% for 14 months BT offer for the last remaining debt I have, which will likely be paid off by summer, and may use the AMEX for car rental plans I have for next month. Other than that, they will not get much use until summer.


 

Message 2 of 13
simplynoir
Community Leader
Mega Contributor

Re: Discover IT & AMEX Cash Magnet Approvals

Congratulations on your two new cards!

Message 3 of 13
MartyWrite75
Valued Contributor

Re: Discover IT & AMEX Cash Magnet Approvals

Congratulations on your approvals! Nice!!!
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)

Message 4 of 13
Marz2002
Senior Contributor

Re: Discover IT & AMEX Cash Magnet Approvals

CONGRATS on the Approvals, the AWESOME SLs, and Welcome to the Disco and AMEX families!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 5 of 13
Anonymous
Not applicable

Re: Discover IT & AMEX Cash Magnet Approvals

Congrats on both approvals and very nice SL on Disco !!!

 

 

 

Message 6 of 13
Adalen
Frequent Contributor

Re: Discover IT & AMEX Cash Magnet Approvals

Thanks all!

 

Truly shocked by Discover limit - didn't know they could be so giving in my score range.


Message 7 of 13
gdale6
Moderator Emeritus

Re: Discover IT & AMEX Cash Magnet Approvals

Fantastic work, great SLs, enjoy
Message 8 of 13
Anonymous
Not applicable

Re: Discover IT & AMEX Cash Magnet Approvals

Obviously Disco likes youSmiley Happy

 

I know that after being so low score wise is awful for anyone to go through and the rebuilding process is long and tedious but seriously always be proud of where youve come from! Your scores arent that bad anymore!! More "YES" and less "NO".. coming your way!

 

Awesome news and congrats!!

Message 9 of 13
Anonymous
Not applicable

Re: Discover IT & AMEX Cash Magnet Approvals

Congrats!  Very nice SL's on both! 
Coincidentally, I got both on approved on the same day back in Sept with nice limits as well and have been taking advantage of Disco a bit more than the AMEX.  I happened to go on an app spree that day and also got the PayPal Cashback card and a local CU CC.  I'll be in the garden for a bit to get some of these inquiries down.
Keep moving forward!

Message 10 of 13
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